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Century Savings Bank

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

Vineland, NJ

6 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 -4.7% year over year ($489.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.53%.
  • Efficiency ratio 53.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.73% 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) →

Century Savings Bank has 3 strengths 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 41.0% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 11.14% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 1.3% in tier
  • - Deposit Outflow: Bottom 49.2% in tier
  • - ROA 0.80% below tier average
  • - Net Interest Margin 0.39% below tier average
Get updates when Century 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 ? $634.8M
-1.8% YoY -0.9% QoQ
+$248.3M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $331.6M
+4.0% YoY +2.8% QoQ
+$73.3M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $489.7M
-4.7% YoY -1.6% QoQ
+$162.9M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 0.53%
-10.8% YoY -19.9% QoQ
-0.80% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 12.9% in tier
Net Interest Margin ? 3.60%
+15.6% YoY +3.3% QoQ
-0.39% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 53.34%
-19.8% YoY +11.1% QoQ
-11.14% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
76%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.73%
+9.2% YoY +4.5% QoQ
-10.23% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 22.88%
+7.3% YoY +5.0% QoQ
+0.85% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.20%
+5.2% YoY +1.8% QoQ
-2.71% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.37%
+150.8% YoY +24.6% QoQ
-0.20% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
82%

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 22.9%
+1.6pp YoY
+1.1pp QoQ
 +0.7pp 22.1% 16.6% 22.2% 59%
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 10.4%
0.0pp YoY
+0.9pp QoQ
 -1.2pp 11.6% 6.5% 12.5% 55%
CRE 59.4%
+3.6pp YoY
+0.8pp QoQ
 +19.9pp 39.5% 56.3% 41.4% 84%
1-4 Family 24.8%
-2.5pp YoY
-1.4pp QoQ
 -7.8pp 32.6% 39.4% 31.3% 40%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.3% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.8% 19.7% n/a
Leverage Ratio 13.2%
+0.6pp YoY
+0.2pp QoQ
 +1.0pp 12.2% 13.4% 12.6% 76%
Total Capital Ratio n/a n/a 19.9% 19.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 60
-2 (-3.2%) YoY
-1 (-1.6%) QoQ
 +1 58 336 482 63%
Assets per Employee ($) $10.6M
+1.4% YoY
+0.7% QoQ
 +$3.1M $7.5M $11.2M $8.8M 88%
Branch Count 6
0 YoY
0 QoQ
 +1 4 20 18 66%

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 n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.57x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 5.4%
-2.3pp YoY
-1.5pp QoQ
 -6.8pp 12.2% 6.4% 11.6% 15%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.9% 1.7% 7%
Net Income ($, YTD) $1.7M
-11.1% YoY
— QoQ
 -$866K $2.6M $19.8M $40.4M 46%

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
#271 of 659 • Top 41.0% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk
#8 of 529 • Bottom 1.3% 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: 0.53%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#264 of 535 • Bottom 49.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
448
Total Assets
size
Value: $634.82M
Peer Median: $386.57M
#448 of 2643 Top 16.9% in $100M-$1B
474
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#474 of 2643 Top 17.9% in $100M-$1B
565
Total Deposits
size
Value: $489.68M
Peer Median: $326.73M
#565 of 2643 Top 21.3% in $100M-$1B
642
Efficiency Ratio
profitability
Value: 53.34%
Peer Median: 64.48%
#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

2303
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.32%
#2303 of 2643 Bottom 12.9% in $100M-$1B
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