📊 FCSB Performance Highlights Q4 2025

📢 First Central Savings Bank Reports Income of $2.6 Million ($0.25 EPS), Non-Interest Income Growth Quarter over Quarter and Special Cash Dividend of $0.25 per share.

Performance Results

❄️ Warm Up Your Winter with Exceptional CD Rates at FCSB!

📈 Build momentum this winter — lock in CD rates that grow with you.

CD Rates

Start Strong Today: Open Your Young Savers Account & Save Big! 💵 🎓

Teach the next generation the power of smart saving—fun, easy, and rewarding!

Learn more

Elevate your Business: Strategic Loan Solutions

Innovative Financing with a Forward-Thinking Approach

Get Started Now

Business Banking Accounts for Every Growth Stage

Unlock Your Business Potential with FCSB!

Checking, Savings, & more

SBA Loan Programs at FCSB!

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.

Learn more about SBA loans

Who’s got time every day to check on bank accounts?

Be the first to know about a change in your account with online and mobile account alerts.

Learn More

$1 Billion and Counting! FCSB Celebrates a Momentous Milestone in Loan Originations

View the full story here.

Read

Tips to Avoid Mail Theft & Check Fraud

Check fraud is everywhere, and that’s not okay. We have to do something about it.

Protect

Commercial Lending

We design our Commercial Real Estate Loan products to help investors pursue their dreams — and make dreams a reality.

What is your goal? We’ll help you achieve it.

Career Opportunities at FCSB

Join our team.

Apply Now

Understanding Phishing Scams

FCSB will never contact you directly for your account numbers, passwords, or other personal sensitive information by phone, email, or text.

Learn More

Business Mobile

Enjoy a seamless mobile experience designed exclusively for access to your FCSB business accounts.

Out of office? Stay in control of your company finances.

Spend Wisely, Save Smarter—Expert Service to Manage Your Money Better

Call Us Today—Your Trusted One-Stop Banking Solution Is Here to Help!

Ready to assist with any issue, no matter how big or small.

LOANS, LENDING, & BUSINESS SOLUTIONS

Transform Your Business into a Superpower! Empower Your Business with FCSB’s Personalized Loan Options.

Cybersecurity Resource Hub

Banking Smarts: Tips for Online Banking and Fraud Prevention

Stress-Free Online Banking

Bank Anytime, Anywhere: 24/7 Online Access and Mobile Deposits with FCSB Mobile Apps.

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

Our Story

Banking the Way It Used to Be, Only Better.

At First Central Savings Bank — known simply as FCSB across communities — we’re more than your local bank; we’re your trusted friend and financial partner.

Since 1999, we have helped individuals, businesses, and nonprofits thrive with personalized banking and lending solutions, exceptional service, and a commitment to financial well‑being.

Where Tradition & Innovation Align

Honoring the golden days of banking with personal service — delivered through an all‑inclusive approach supported by digital tools and a team that truly knows you.

See why FCSB has become a trusted choice for banking that’s personal, reliable, and designed around your needs.

Voices from Our Community: Hear What Our Friends Say

I just wanted to take a minute to thank you for all of your help! You have been handling my accounts for years now and I always have such a sense of comfort and peace, knowing that nothing will go wrong and everything will be handled correctly and with a full heart, as if it was your own account.

FCSB Client

You made opening accounts so easy and seamless. I will be singing your praises to all my friends and family!

FCSB Client

but equally important was his consistent manner in doing what he said was ‘just doing his job.’ I sincerely wish more people were like him ‘just doing his job’. It is such an asset to your bank.

FCSB Client

I wanted to make you aware that you have an outstanding employee working at your branch that we were lucky to deal with. She was most helpful. She took the time to explain the process of how she personally would take care of whatever needed to be done, and ensuring she would send us the funds

FCSB Client

Thank you for all the days and all the ways your smile welcomes us in an otherwise “unfriendly” world. You are one of the few things we can “bank on” to lift our spirits and carry on.

FCSB Client

I have seen it all, and have had many, many individuals reporting to me over the years, which I believe qualifies me to write this letter and say you have a winner in him!

FCSB Client

I appreciate your sincerity, support, patience, and the nice conversations we had.

FCSB Client

It is with pleasure that I inform you of my positive experiences at the Forest Hills branch of First Central Savings Bank.

FCSB Client

The team in Flushing is simply amazing and treats me with such kindness!

FCSB Client

I am a customer of your bank and on various occasions, I have had the fortune of having him assist me with several banking issues. Each time he has not only been helpful, informative, knowledgeable, and most importantly, patient, but he has left the door open should it become necessary to contact him again.

FCSB Client

We are senior citizens and opening this was very stressful for us. She was very calming and knowledgeable. Even though I sent her many emails, many asking the same questions, she responded in a thoughtful and timely manner.

FCSB Client

It was nice to chat with you last week. Thank you for….being you!

FCSB Client

I want to take a moment to tell you about the wonderful service I have received from my local Lynbrook branch…

FCSB Client

Community Giving and Mission

There's more to you than banking

Discover Personalized Loan Options and Say Hello to Your Bright Future

📊 FCSB Performance Highlights Q4 2025

❄️ Warm Up Your Winter with Exceptional CD Rates at FCSB!

Start Strong Today: Open Your Young Savers Account & Save Big! 💵 🎓

Elevate your Business: Strategic Loan Solutions

Business Banking Accounts for Every Growth Stage

SBA Loan Programs at FCSB!

Who’s got time every day to check on bank accounts?

$1 Billion and Counting! FCSB Celebrates a Momentous Milestone in Loan Originations

Tips to Avoid Mail Theft & Check Fraud

Commercial Lending

Career Opportunities at FCSB

Understanding Phishing Scams

Business Mobile

Spend Wisely, Save Smarter—Expert Service to Manage Your Money Better

LOANS, LENDING, & BUSINESS SOLUTIONS

Cybersecurity Resource Hub

Stress-Free Online Banking

You can open eCDs online in minutes!

Over 25 Years of Banking with Purpose

Banking the Way It Used to Be, Only Better.

At First Central Savings Bank — known simply as FCSB across communities — we’re more than your local bank; we’re your trusted friend and financial partner.

Since 1999, we have helped individuals, businesses, and nonprofits thrive with personalized banking and lending solutions, exceptional service, and a commitment to financial well‑being.

Where Tradition & Innovation Align

Honoring the golden days of banking with personal service — delivered through an all‑inclusive approach supported by digital tools and a team that truly knows you.

Voices from Our Community: Hear What Our Friends Say

FCSB Client

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FCSB Client

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FCSB Client

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There's more to you than banking

Discover Personalized Loan Options and Say Hello to Your Bright Future

Your Dreams are Within Reach!

Beware of scammers impersonating FCSB and urging you to send yourself money with Zelle®. Learn more about keeping your money safe.

Don’t be fooled by scammers! Learn how you can avoid falling for this scam.

There’s no need to download an additional app to send and receive money with friends and family.

You can now find Zelle® in the FCSB app!

Next time your friends need to pay you back, ask them to send you money with Zelle®.

Repay friends quickly and easily with Zelle®, wherever they bank in the U.S.

Send money directly to friends and family with Zelle®.

When timing is everything – send money with Zelle®.

To send and receive money with Zelle®, all you need to share is a U.S. mobile number or email address.

Share expenses, not account numbers.

FCSB customers now have an easy way to send money to family and friends, wherever they bank in the U.S.

There are no fees to use Zelle® in our mobile app.