Weāre here to help you spend & save smarter.

Call Us! Your One-Stop Banking Solution Awaits at Our Welcoming Branches.
Ready to assist you with any issue, no matter how big or small.
You can open eCDs online in minutes!
Unleash the Timeless Beauty of Saving with our CD Accounts. We believe in keeping things simple and smart, just like the good old days.
Opening and managing your CD account is a breeze, so you can focus on dreaming about that well-deserved vacation.
Over 25 years of banking with purpose
Since 1999: Neighbor, Friend, and Trusted Financial Partnerā
Banking the Way It Used to Be, Only Better. At First Central Savings Bank (or as the community knows us, FCSB,) we’re more than just your local bank; we’re your long-time friend and neighbor.
Since our start on April 5, 1999, we’ve committed to enhancing your financial well-being with dedicated and personalized support.
Our unique blend of nostalgic service with cutting-edge banking solutions ensures every visit builds deeper connections, not just transactions.
Join our community today and experience banking that feels like family, with all the modern perks.
There's more to you than banking
Discover Personalized Loan Options and Say Hello to Your Bright Future
Your Dreams are Within Reach!
Business Development Officers
From small business loansĀ to lines of credit, business banking to merchant services, contact one of our Business Development Officers today for friendly and personalized service.
Residential Lending
FCSB is proud to offer unique mortgage products that provide qualified applicants with options toĀ purchaseĀ orĀ refinanceĀ 1-4 family owner-occupied or investment dwellings.
Commercial Real Estate
FCSB offers flexible commercial loans to help you achieve your financial goals, including options to expand your real estate portfolio through purchasing or refinancing.
Business Loans
Our experienced lending professionals get to know you and your business so that we can structure the best financing for your business goals.
Small Business Administration (SBA) Loans
FCSB is partnered with the U.S. Small Business Administration to provide SBA loans to small business owners looking to start or expand their companies.