Cross County Savings Bank
Total assets
$525.4M
▼ -1.2% YoY
Deposits
$446.5M
▼ -2.1% YoY
Loans
$392.1M
▼ -1.6% YoY
Offices
6
ROA (annualized)
0.46%
peers 1.28%
ROE (annualized)
3.64%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.9% | -6.1 pts |
| Deposit growth (YoY) | -2.1% | +4.3% | -6.5 pts |
| Loan growth (YoY) | -1.6% | +5.3% | -6.9 pts |
| ROA | 0.46% | 1.28% | -0.8 pts |
| ROE | 3.6% | 12.4% | -8.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 7921 Metropolitan Ave, Middle Village, NY, 11379
- County
- Queens
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 6
- FDIC cert #
- 30260
- RSSD ID
- 1007873
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $525.4M | $446.5M | $392.1M | $67.8M | $1.2M | 0.46% | 3.94% | 1.66% |
| Q1 2026 | $538.2M | $458.9M | $399.1M | $67.2M | $545K | 0.41% | 3.89% | 0.83% |
| Q4 2025 | $529.9M | $452.2M | $400.0M | $66.8M | $2.8M | 0.53% | 3.81% | 0.82% |
| Q3 2025 | $524.3M | $447.1M | $394.8M | $66.0M | $2.1M | 0.54% | 3.80% | 0.64% |
| Q2 2025 | $532.0M | $456.3M | $398.5M | $64.8M | $1.1M | 0.41% | 3.80% | 0.64% |
| Q1 2025 | $536.3M | $461.3M | $405.7M | $64.0M | $490K | 0.37% | 3.78% | 0.49% |
| Q4 2024 | $536.3M | $461.4M | $408.1M | $63.4M | $2.1M | 0.39% | 3.77% | 0.54% |
| Q3 2024 | $538.0M | $454.4M | $407.5M | $62.8M | $1.4M | 0.36% | 3.75% | 0.74% |
Loan mix (Q2 2026): real estate $394.1M · commercial $0 · consumer $94K · securities $33.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.89% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 61.2% | 93th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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