# CROSS COUNTY SAVINGS BANK
MIDDLE VILLAGE, NY · FDIC certificate 30260 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $525.4M | |
| Deposits | $446.5M | |
| Loans and leases | $394.2M | |
| Total equity | $67.8M | |
| Loans / deposits | 87.82% (p66 of band) | 82.04% |
| Liquid assets / assets | 16.85% (p21 of band) | |
| Uninsured deposits / deposits | 16.36% (p16 of band) | 25.97% |
| Brokered deposits | 0.96% | |
| Wholesale funding | 0.96% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.84% (p78 of band) | 10.81% |
| Unrealized securities loss / equity | -2.04% (p79 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 0.46% (p10 of band) | 1.28% |
| Net interest margin | 3.94% (p52 of band) | 3.91% |
| Efficiency ratio | 84.66% (p92 of band) | |
| Noncurrent loans | 2.21% (p90 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 23.37% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 3 | expense ratio p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | reserve under noncurrent |
| 2020-06 | 3 | reserve under noncurrent |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | expense ratio p90 |  |
| 2025-09 | 1 |  | expense ratio p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | expense ratio p90 |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-25 [Kiwanis Club of Middle Village, Cross County Bank host their largest turkey giveaway to date - qns.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNYmNQbXdvZGdGRHoxRkNZcVpwdzZvQlItZnRjVzBFUmV1ZlcwMVJTSkZFSzlQTWNYVXN1NHQxZFpOb29WUzNmUEtNWnJzQXhIX0RQT2g4STg2RjhXaHhEU0Z2NmVJQzg3a0d4NTFBdEhTOTlqSDNlWjNHUXdFelRHODI5Mkl4ZDdrZnR4bEszcVVDZ1RFTEYyLVBiN1FMTWNndU5oRGFGbE9Kb1p2WjVyNVZKc0d5RlNP?oc=5) · qns.com
- 2025-09-05 [VNNA and Cross County Savings Bank team up for backpack giveaway - Bronx Times](https://news.google.com/rss/articles/CBMifkFVX3lxTE1pYkJtOWg2ZV94VWVVZ0w5ODN0TTdORF93MlhLYnVrdE9wSEE5cml0eUV1amZDZ1VrTzRQaGhHbThlaHkydmRfckRmUXg1UVcwcFk3a0o2RExvZnRDYmItb0NCT1kzS19DZzREdHhHQ0NOQV9MMkQyZVhZSm9KZw?oc=5) · Bronx Times
- 2013-09-06 [Bank bans hoodies, hats, sunglasses; some customers say it promotes racial profiling - New York Daily News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOZ0FPcWYyYWJMTXpDbGhjOGNYSFhXeVM3NG9zNV9wSld6WkRHSjhpOVVta0RSSmJ1RHlBVm9HQ0FmdFlHbDhNMU5maDBjOWFualhhMTJWVVB6UE94R1ZCWmtrdmU5aEtEanljLVRJQ0syWjRJWWhEZ25xTjZvSGJvVDYyY1hYcXhjZlVTazJkdGc5VDRERVlLWFE0U0dKa0NnMzFIN1BkeDBQRGxDUHR5YTVnN3hXc1BVU3VXVnhR?oc=5) · New York Daily News
- 2020-12-15 [Middle Village’s Cross County Savings Bank partners with Toys for Tots to collect holiday gifts - qns.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQmhSNFp3Z3B0ZjlJWXExTXlxSGZaQThUWWNWbWZFTGdmWWtCZDdjV3phMWpxMDVyc1JjM3VkQkNjQXY2OV9CVzNHRGVUQTFxVGZLdUZKVW13QkZZMXdPeThsRkpLdVFRb2pjRUI4c2ZjU2tyWm1DekdESEt6eHZBd2VxQUI?oc=5) · qns.com
- 2013-01-23 [Bedford Avenue Fire Caused by Bank's Wiring, Officials Say - dnainfo.com](https://news.google.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?oc=5) · dnainfo.com
- 2015-04-05 [A First-Class Love Starts on a Plane (Published 2015) - The New York Times](https://news.google.com/rss/articles/CBMid0FVX3lxTE5TUENJRDNLRHFLS1dGbnVuN09xQVVnRVc5NlVUNmdXRW1tTElHNGJsYm93MFBLbkNHaTd0dkYyNWdYa0RKMFZ6NlU3NTEtOEFlZ2dYbGxMdGo1bFZBQW5lT21sRTRWME1XUTl2U2RtekJjNVJEUjBJ?oc=5) · The New York Times
- 2018-09-06 [Exclusive: Our Ranking of Brooklyn’s Largest Banks - thebridgebk.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE0zVkZDbnlkYWp3S1FWWC1fLWVzOW1kWE56VFY1MjhNNmtLSlFaa0RvVUxjY0VFbWdibXgySDVXWXItRC1SS3ZTbUcwNmhUUlBpc2x6bjJZNWNMSGJCa1V6VmxtRXNPb1NJTHhJZjJKNWRYcldl0gF8QVVfeXFMUHVpd2J3Yko1X2huVEZITF9vRG9QMGwtQVpzVW1VOWRkbnZfenNPcnVTZ2g3Tng3a2xPN1l4TEJURmphbVRRSU1rcHdBUG9lZGkzX203T19SR1dtRW5kX1BvVlZwN2VLekJweDRmZW8zeUhzWEZpYm9MM1pjUw?oc=5) · thebridgebk.com
- 2024-12-05 [MidVille staples serve local seniors - Queens Chronicle](https://news.google.com/rss/articles/CBMixAFBVV95cUxPZU1YMDJlOE9OYWdUX0pjRGtkb1NzNnY5VXhkOTBQWWowM0h5WmsxcEItclUybXBzeEtJMkpzOU5uekktNlFnZnZuOWd4Y1NxRVdtX3RqWGNQV2VJejQ0NTlJS21nblNHWE9UM0I2cFlUTWo0SklpRjY4MTU0SjR6Zkh3RWV1Q2ZodjQwczZSUnZOeDFfMVpUMXR3WVRkRmFEOTl5VkIyT3JLUWJhZHA4cGVtdWx6VEJNcnpOcmMzUVQ0NVVy?oc=5) · Queens Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30260 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "30260", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide