BlastPoint's Banking Scorecard

Century Savings Bank

$100M-$1B Specialty: Commercial NJ FDIC cert 30428

Vineland, NJ

6 branches across NJ

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

Century Savings Bank has 3 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

+ Credit Quality Leader: Top 43.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 17.29% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 17.6% in tier
- ROA 0.61% below tier average
- Net Interest Margin 0.45% below tier average

Get updates when Century 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 ?	$640.7M +0.1% YoY -1.4% QoQ	+$254.6M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$322.5M +2.0% YoY +0.3% QoQ	+$66.8M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$497.9M -3.0% YoY -1.7% QoQ	+$169.9M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	0.66% -18.9% YoY +0.3% QoQ	-0.61%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	3.48% +13.1% YoY +7.6% QoQ	-0.45%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	48.00% -27.4% YoY -22.7% QoQ	-17.29%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Top 12.4% in tier
Delinquency Rate ?	0.00%	-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 ?	64.78% +5.1% YoY +2.0% QoQ	-11.86%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	21.80% +14.2% YoY +6.0% QoQ	-0.22%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.00%	-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 ?	12.97% +3.7% YoY +1.6% QoQ	-2.87%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.30% +318.2% YoY -18.4% QoQ	+0.02%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Top 6.6% in tier

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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 (1)

Credit Quality Leader

growth

#292 of 664 • Top 43.8% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#91 of 512 • Bottom 17.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.66%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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).

Compare against:

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

Top Strengths (7 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

176

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.28%

#176 of 2664 Top 6.6% in $100M-$1B

331

Efficiency Ratio

profitability

Value: 48.00%

Peer Median: 65.29%

#331 of 2664 Top 12.4% in $100M-$1B

437

Total Assets

size

Value: $640.68M

Peer Median: $386.08M

#437 of 2664 Top 16.4% in $100M-$1B

548

Total Deposits

size

Value: $497.86M

Peer Median: $327.97M

#548 of 2664 Top 20.5% in $100M-$1B

660

Loan-to-Deposit Ratio

liquidity

Value: 64.78%

Peer Median: 76.64%

#660 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (1 metrics)

2162

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.27%

#2162 of 2664 Bottom 18.9% in $100M-$1B