PCSB Bank is an FDIC insured institution headquartered at
2477 Route 6, Brewster, NY 10509.
Deposit Rates -
July 16, 2025
SAVINGS RATES
APY
MIN
Savings
0.10% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.30% $10,000
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6 Mo CD
0.30% $100,000
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12 Mo CD
0.45% $10,000
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12 Mo CD
0.45% $100,000
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18 Mo CD
0.50% $10,000
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18 Mo CD
0.50% $100,000
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24 Mo CD
0.55% $10,000
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24 Mo CD
0.55% $100,000
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30 Mo CD
0.65% $10,000
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30 Mo CD
0.65% $100,000
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36 Mo CD
0.65% $10,000
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36 Mo CD
0.65% $100,000
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48 Mo CD
0.70% $10,000
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48 Mo CD
0.70% $100,000
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60 Mo CD
0.75% $10,000
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60 Mo CD
0.75% $100,000
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MM RATES
APY
MIN
Money Market
0.20% $2,500
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Money Market
0.20% $10,000
Compare
Money Market
0.20% $25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.20% $2,500
Loan Rates -
July 16, 2025
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
3 Year Adjustable Jumbo
6.53%
$2,028.72
5 Year Adjustable Jumbo
6.66%
$2,116.09
7 Year Adjustable Jumbo
6.60%
$2,116.09
10 Year Fixed Jumbo
5.57%
$3,484.11
15 Year Fixed Jumbo
6.64%
$2,768.23
20 Year Fixed Jumbo
6.74%
$2,454.71
30 Year Fixed Jumbo
6.74%
$2,099.61
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
3 Year Adjustable Jumbo
6.53%
$2,028.72
5 Year Adjustable Jumbo
6.60%
$2,116.09
7 Year Adjustable Jumbo
6.60%
$2,116.09
10 Year Fixed Jumbo
5.57%
$3,484.11
15 Year Fixed Jumbo
6.64%
$2,768.23
20 Year Fixed Jumbo
6.74%
$2,454.71
30 Year Fixed Jumbo
6.74%
$2,099.61
Overview 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 15995
Date Established
1871
Assets
$ 2.08 billion
Loans
$ 1,352.78 million
Deposits
$ 1,751.85 million
Capital
$ 289.34 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 74.61 million
Interest-bearing balances
$ 56.24 million
Total securities
$ 237.44 million
Federal funds sold and reverse repurchase
$ 210.85 million
Net loans and leases
$ 1,352.78 million
Loan loss allowance
$ 16.62 million
Trading account assets
$ 10.69 million
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 95.66 million
All other assets
$ 58.54 million
Total Assets $ 1,790.80 million
LIABILITIES
Total deposits
$ 1,751.85 million
Interest-bearing deposits
$ 1,542.01 million
Deposits held in domestic offices
$ 1,751.85 million
% insured (estimated)" 73.60%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
$ 10.69 million
Other borrowed funds
$ 58.01 million
Subordinated debt
N.A.
All other liabilities
$ 16.54 millionn
Total Liabilities $ 1,790.80 million
Shareholders’ Equity $ 289.34 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 25.60 million
Total Interest Expense
$ 11.75 million
Net interest income
$ 13.85 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 0.63 million
Total non interest expense
$ 9.99 million
Pre-tax Net Operating Income
$ 10.38 million
Customer Reviews for PCSB Bank
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