Cross County Savings Bank
Middle Village, New York · FDIC Cert #30260
This is the FDIC profile for Cross County Savings Bank, an FDIC-insured bank (Certificate #30260) with $539M in total assets and $456M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Middle Village, New York, the bank maintains a Tier 1 capital ratio of 18.99% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of B (76/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cross County Savings Bank (FDIC cert 30260) is a community bank — $539M in total assets, $456M in deposits, serving the Middle Village, New York area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.99% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 16.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.46% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Cross County Savings Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cross County Savings Bank
- Total Assets
- $539M
- Total Deposits
- $456M
- Tier 1 Capital Ratio
- 18.99%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 16.34%
- Return on Assets
- 0.46%
- Headquarters
- Middle Village, New York
- FDIC Certificate
- #30260
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Cross County Savings Bank files quarterly Call Reports with the FDIC under Certificate #30260. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Cross County Savings Bank holds a Tier 1 capital ratio of 18.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cross County Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cross County Savings Bank shows strong financial health indicators. With $539M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cross County Savings Bank Compares
Cross County Savings Bank’s Health Score of 76 is 4 points below the New York state average of 80 across 130 FDIC-insured banks. Its 18.99% Tier 1 capital ratio is 5.0 points above the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.46% is below the national ROA benchmark of ~1.1%. Among 1419 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Cross County Savings Bank is 4 points below the portfolio average of 80.
Frequently Asked Questions
Cross County Savings Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cross County Savings Bank's Tier 1 capital ratio of 18.99% and nonperforming loan ratio of 0.65% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cross County Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30260). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cross County Savings Bank holds $539M in total assets and $456M in total deposits. It is headquartered in Middle Village, New York (FDIC Certificate #30260).
Cross County Savings Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #30260 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Cross County Savings Bank has a Tier 1 capital ratio of 18.99%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 0.46%.
Yes. Cross County Savings Bank is FDIC-insured (Certificate #30260). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cross County Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.