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Crest Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 28818

Wildwood, NJ

8 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits +4.4% year over year ($516.9M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.43%.
  • Efficiency ratio 81.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

Crest Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 16.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.7% in tier
  • - Efficiency Drag: Bottom 27.4% in tier
  • - Net Interest Margin 1.00% below tier average
  • - ROA 0.90% below tier average
Get updates when Crest Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $594.2M
+4.6% YoY +2.5% QoQ
+$207.7M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $449.2M
-1.4% YoY +0.6% QoQ
+$190.8M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $516.9M
+4.4% YoY +2.4% QoQ
+$190.1M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 0.43%
+22.2% YoY +11.7% QoQ
-0.90% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 10.4% in tier
Net Interest Margin ? 2.98%
+7.8% YoY +2.0% QoQ
-1.00% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 9.4% in tier
Efficiency Ratio ? 81.04%
-6.3% YoY -2.4% QoQ
+16.57% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 12.5% in tier
Delinquency Rate ? 0.01% -0.91% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Top 15.0% in tier
Loan-to-Deposit Ratio ? 86.90%
-5.6% YoY -1.8% QoQ
+8.95% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 16.50%
-3.6% YoY +31.9% QoQ
-5.53% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.01% -0.66% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Top 13.7% in tier
Tier 1 Capital Ratio ? 14.45%
+8.9% YoY +1.3% QoQ
-1.46% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.19%
-13.0% YoY +75.6% QoQ
-0.38% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 16.5%
-0.6pp YoY
+4.0pp QoQ
 -5.6pp 22.1% 16.6% 22.2% 30%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 0.7%
-0.1pp YoY
0.0pp QoQ
 -10.8pp 11.6% 6.5% 12.5% 3%
CRE 25.2%
-1.8pp YoY
-0.1pp QoQ
 -14.3pp 39.5% 56.3% 41.4% 27%
1-4 Family 69.1%
+2.0pp YoY
+0.3pp QoQ
 +36.5pp 32.6% 39.4% 31.3% 94%
Consumer 5.4%
0.0pp YoY
-0.1pp QoQ
 +1.3pp 4.1% 4.3% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 14.4%
+1.2pp YoY
+0.2pp QoQ
 -4.4pp 18.8% 18.8% 19.7% 44%
Leverage Ratio 8.9%
0.0pp YoY
+0.2pp QoQ
 -3.3pp 12.2% 13.4% 12.6% 10%
Total Capital Ratio 15.3%
+1.3pp YoY
+0.2pp QoQ
 -4.6pp 19.9% 19.8% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 85
-2 (-2.3%) YoY
+1 (+1.2%) QoQ
 +26 58 336 482 80%
Assets per Employee ($) $7.0M
+7.1% YoY
+1.3% QoQ
 -$527K $7.5M $11.2M $8.8M 52%
Branch Count 8
0 YoY
0 QoQ
 +3 4 20 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 0.8% 1.0% 4%
Allowance Coverage 49.87x +25.71x 24.15x 6.57x 20.23x 94%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 5.0%
+0.9pp YoY
+0.5pp QoQ
 -7.2pp 12.2% 6.4% 11.6% 13%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.9% 1.7% 38%
Net Income ($, YTD) $1.3M
+28.4% YoY
— QoQ
 -$1.3M $2.6M $19.8M $40.4M 34%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#109 of 659 • Top 16.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#35 of 1256 • Bottom 2.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Efficiency Drag

risk
#100 of 361 • Bottom 27.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 81.04%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

364
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#364 of 2643 Top 13.7% in $100M-$1B
395
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#395 of 2633 Top 15.0% in $100M-$1B
429
Total Loans
size
Value: $449.17M
Peer Median: $258.35M
#429 of 2643 Top 16.2% in $100M-$1B
488
Total Deposits
size
Value: $516.85M
Peer Median: $326.73M
#488 of 2643 Top 18.4% in $100M-$1B
530
Total Assets
size
Value: $594.24M
Peer Median: $386.57M
#530 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (3 metrics)

2396
Net Interest Margin
profitability
Value: 2.98%
Peer Median: 3.99%
#2396 of 2643 Bottom 9.4% in $100M-$1B
2369
Return on Assets
profitability
Value: 0.43%
Peer Median: 1.32%
#2369 of 2643 Bottom 10.4% in $100M-$1B
2313
Efficiency Ratio
profitability
Value: 81.04%
Peer Median: 64.48%
#2313 of 2643 Bottom 12.5% in $100M-$1B
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