PCSB Bank

Our records indicate that this bank has been acquired by Beacon Bank and Trust.

PCSB Bank is an FDIC insured institution headquartered at 2477 Route 6, Brewster, NY 10509.
It was founded in 1871 and has approximately $2 billion in assets. Customers can open an account at one of its 0 branches.

Deposit Rates - November 04, 2025

Loan Rates - November 04, 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	6.16%	$2,116.09
10 Year Fixed Jumbo	5.57%	$3,484.11
15 Year Fixed Jumbo	6.14%	$2,768.23
20 Year Fixed Jumbo	6.36%	$2,454.71
30 Year Fixed Jumbo	6.36%	$2,099.61

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
3 Year Adjustable Jumbo	6.53%	$2,028.72
5 Year Adjustable Jumbo	6.16%	$2,116.09
7 Year Adjustable Jumbo	6.16%	$2,116.09
10 Year Fixed Jumbo	5.57%	$3,484.11
15 Year Fixed Jumbo	6.14%	$2,768.23
20 Year Fixed Jumbo	6.36%	$2,454.71
30 Year Fixed Jumbo	6.36%	$2,099.61

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Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 15995
Date Established	1871
Assets	$ 2.08 billion
Loans	$ 1,329.08 million
Deposits	$ 1,776.70 million
Capital	$ 289.84 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 129.44 million
Interest-bearing balances	$ 110.38 million
Total securities	$ 231.37 million
Federal funds sold and reverse repurchase	$ 211.45 million
Net loans and leases	$ 1,329.08 million
Loan loss allowance	$ 16.31 million
Trading account assets	$ 8.12 million
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 94.31 million
All other assets	$ 58.54 million
Total Assets	$ 1,811.11 million

LIABILITIES
Total deposits	$ 1,776.70 million
Interest-bearing deposits	$ 1,565.10 million
Deposits held in domestic offices	$ 1,776.70 million
% insured (estimated)"	73.21%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 8.12 million
Other borrowed funds	$ 58.01 million
Subordinated debt	N.A.
All other liabilities	$ 16.54 millionn
Total Liabilities	$ 1,811.11 million
Shareholders’ Equity	$ 269.03 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 51.76 million
Total Interest Expense	$ 23.31 million
Net interest income	$ 28.46 million
Provision for loan and lease losses	$ 1.35 million
Total non interest income	$ 1.23 million
Total non interest expense	$ 19.72 million
Pre-tax Net Operating Income	$ 10.38 million

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Branches

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