BlastPoint's Banking Scorecard

Crest Savings Bank

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

Wildwood, NJ

8 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

Crest Savings Bank has 2 strengths but faces 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.3% in tier
- Net Interest Margin 1.01% below tier average
- ROA 0.89% below tier average

Get updates when Crest Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$579.6M +5.0% YoY -1.6% QoQ	+$193.5M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$446.4M -2.0% YoY +0.9% QoQ	+$190.7M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$504.6M +6.6% YoY -1.9% QoQ	+$176.6M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	0.38% +1.1% YoY -8.0% QoQ	-0.89%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 10.1% in tier
Net Interest Margin ?	2.93% +6.7% YoY +1.9% QoQ	-1.01%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 9.3% in tier
Efficiency Ratio ?	83.05% -6.4% YoY +1.3% QoQ	+17.76%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 12.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.46% -8.1% YoY +2.9% QoQ	+11.82%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	12.51% -3.4% YoY -2.2% QoQ	-9.51%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.26% +8.8% YoY +0.4% QoQ	-1.57%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.11% +0.2% YoY -75.9% QoQ	-0.17%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#110 of 414 • Bottom 26.3% in tier

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

Why this signature

Efficiency Ratio: 83.05%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

422

Total Loans

size

Value: $446.38M

Peer Median: $255.72M

#422 of 2664 Top 15.8% in $100M-$1B

529

Total Deposits

size

Value: $504.60M

Peer Median: $327.97M

#529 of 2664 Top 19.8% in $100M-$1B

566

Total Assets

size

Value: $579.60M

Peer Median: $386.08M

#566 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (4 metrics)

2417

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.93%

#2417 of 2664 Bottom 9.3% in $100M-$1B

2395

Return on Assets

profitability

Value: 0.38%

Peer Median: 1.27%

#2395 of 2664 Bottom 10.1% in $100M-$1B

2345

Efficiency Ratio

profitability

Value: 83.05%

Peer Median: 65.29%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2239

Non-Interest-Bearing Deposit Share

funding

Value: 12.51%

Peer Median: 22.02%

#2239 of 2664 Bottom 16.0% in $100M-$1B