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Crest Savings Bank

Wildwood, NJ · Cert 28818 · Crest Savings Bcorp MHC

SI · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Crest Savings Bank

Wildwood, NJ · Cert 28818 · Crest Savings Bcorp MHC

SI · FDIC · 8 branches

Q2 2026

$594.2MAssets
$452.2MLoans
$516.9MDeposits
$51.0MEquity
Loan mix
94%RE $420.4M1%C&I $3.4M6%Consumer $24.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $431.6M16%Noninterest $85.3MQ3 2024Q2 2026

Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 4.5% share · #7 of 16 inst. · $0.5B of $11.5B

Executive Summary

  • Earnings: ROA of 0.43%, up 8 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.85%, down 1 bps from a year ago.
  • Funding: loans stand at 87.48% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.43%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+21 bps YoY

Efficiency Ratio (YTD, annualized)

81.04%-549 bps YoY

Tier 1 Leverage Ratio

8.85%-1 bps YoY

NIM

4.04%Q2 ’244.27%Q2 ’254.37%Q2 ’26+20%+8%

Non-interest income vs. expense

2.57%Q2 ’242.70%Q2 ’252.65%Q2 ’26+3%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.25%0.38%0.35%0.37%0.41%0.38%0.43%+8 bps
Return on Equity3.16%3.08%4.38%4.06%4.42%4.93%4.45%4.96%+90 bps
Net Interest Margin2.29%2.38%2.60%2.68%2.52%2.59%2.77%2.88%+21 bps
Efficiency Ratio93.06%92.07%88.73%86.53%83.80%81.95%83.05%81.04%-549 bps
Non-Interest Burden2.12%2.17%2.26%2.25%2.05%2.04%2.23%2.26%+1 bps
Growth
Asset Growth (YoY)-1.66%-2.84%-2.13%-1.14%7.04%5.76%4.97%4.60%+574 bps
Loan Growth (YoY)-1.40%-1.99%-1.91%-2.70%-2.73%-2.79%-1.86%-1.34%+136 bps
Deposit Growth (YoY)-0.04%1.79%4.50%6.74%9.86%7.92%6.61%4.44%-231 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.04%0.03%0.00%0.00%0.00%0.00%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.58%0.54%0.56%0.63%0.64%0.65%0.66%+10 bps
Allowance Coverage of NPLs15.0x15.0x20.6xn/an/an/an/a49.9xn/a
Capital
Tier 1 Leverage Ratio8.17%8.38%8.66%8.86%8.07%8.22%8.60%8.85%-1 bps
Total Risk-Based Capital13.66%13.80%13.80%13.98%14.71%15.04%15.11%15.32%+134 bps
Equity / Assets8.13%8.52%8.69%8.52%7.91%8.46%8.69%8.59%+7 bps
Liquidity & Funding
Loans / Deposits92.50%96.10%96.73%92.61%81.90%86.57%89.04%87.48%-512 bps
Liquid Assets / Assets15.50%12.98%11.99%13.94%23.35%19.50%17.19%18.35%+441 bps
CRE / Total Capitaln/an/an/an/a225%219%224%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Crest Savings Bank

Wildwood, NJ · Cert 28818 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Crest Savings Bcorp MHC

SI · FDIC · 8 branches

Q2 2026

$594.2MAssets
$452.2MLoans
$516.9MDeposits
$51.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets operating in a single state (rank 639 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.42%

Rank 643 of 746

Net Interest Margin

2.88%

Rank 639 of 746

Efficiency Ratio

81.04%

Rank 630 of 746

Equity / Assets

8.59%

Rank 593 of 746

Non-interest income vs. expense

$2.2M$15.3MINCOMEEXPENSE
Unfavorable gap of $13.1M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 81.04%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.42%0.72%1.06%1.45%Beats 14%643 / 746
Return on Equity4.90%6.74%10.51%13.63%Beats 18%615 / 746
Net Interest Margin2.88%3.17%3.68%4.16%Beats 14%639 / 746
Efficiency Ratio81.04%55.74%64.58%75.47%Beats 16%630 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 82%133 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.45%11.55%13.75%17.60%Beats 56%327 / 746
Total Risk-Based Capital Ratio15.32%11.71%14.33%18.43%Beats 58%313 / 746
Equity / Assets8.59%8.90%10.51%13.06%Beats 21%593 / 746
Liquidity & Funding
Loans / Deposits87.48%61.31%78.27%90.78%69th pctl230 / 746
Loans / Assets76.09%53.60%66.97%76.08%75th pctl186 / 746
Brokered Deposits / Depositsn/aNot reported for this institution