התחייבויות לטווח ארוך להון fnbli.com (FLIC)

The First of Long Island (FLIC) maintains financial stability based on a prudent approach to lending and stable interest income. Strong employee commitment and a developed internal culture are complemented by targeted IT recruitment. The organization serves high-net-worth clients and entrepreneurs in Long Island, leveraging the regional market. The current figure stands at 0.96, as clearly demonstrated by this chart reflecting the price action of long-term liabilities.

For The First of Long Island (FLIC), long-term leverage determines the margin of safety during margin compression. This ratio of long-term loans to equity measures the proportion of liabilities with maturities exceeding one year relative to shareholders' equity. An increase in this metric signals heightened financial vulnerability. Amid intense competition in New York, a high debt load limits the bank's ability to attract high-cost deposits, which critically amplifies risks during macroeconomic shocks.