What is Cross County Savings Bank's financial health grade?

Cross County Savings Bank has a TFS Financial Health Grade of C (score: 74.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cross County Savings Bank have?

Cross County Savings Bank has 6 branch locations across the United States.

Is Cross County Savings Bank FDIC insured?

Yes, Cross County Savings Bank is FDIC insured (Certificate #30260).

What are the total assets of Cross County Savings Bank?

Cross County Savings Bank has total assets of $529.9M as reported in its most recent FDIC filing.

Cross County Savings Bank

BankMiddle Village, New York

www.crosscounty.com

Total Assets

$529.9M

Total Deposits

$452.2M

Branches

Established

1888

TFS Health Grade

74.5 / 100

Average financial health

How we grade

Cross County Savings Bank is a bank headquartered in Middle Village, New York, established in 1888. With $529.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (74.5/100).

Capital & Safety

Tier 1 Capital Ratio

12.73%(8%)

Total Capital Ratio

21.02%(10%)

Non-Performing Loan Ratio

1.08%

Profitability

Return on Assets (ROA)

0.53%(1%)

Return on Equity (ROE)

4.35%(10%)

Net Interest Margin

3.81%

Efficiency Ratio

82.90%(60%)

Lending & Liquidity

Total Loans

$402.0M

Loan-to-Deposit Ratio

88.45%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

-1.19%

Deposit Growth (YoY)

-1.98%

Net Income

$2.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Cross County Savings BankHQ	7921 Metropolitan Ave	Middle Village	NY	11
Cross County Savings Bank	455 Beach 129th St	Belle Harbor	NY	11
Cross County Savings Bank	791 Morris Park Ave	Bronx	NY	11
Cross County Savings Bank	731 Metropolitan Ave	Brooklyn	NY	11
Cross County Savings Bank	6020 Fresh Pond Rd	Maspeth	NY	11
Cross County Savings Bank	8010 Eliot Ave	Middle Village	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.