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
Unfavorable gap of $13.1M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.72% | 1.06% | 1.45% | Beats 14% | 643 / 746 | |
| Return on Equity | 4.90% | 6.74% | 10.51% | 13.63% | Beats 18% | 615 / 746 | |
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 639 / 746 | |
| Efficiency Ratio | 81.04% | 55.74% | 64.58% | 75.47% | Beats 16% | 630 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 82% | 133 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.45% | 11.55% | 13.75% | 17.60% | Beats 56% | 327 / 746 | |
| Total Risk-Based Capital Ratio | 15.32% | 11.71% | 14.33% | 18.43% | Beats 58% | 313 / 746 | |
| Equity / Assets | 8.59% | 8.90% | 10.51% | 13.06% | Beats 21% | 593 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.48% | 61.31% | 78.27% | 90.78% | 69th pctl | 230 / 746 | |
| Loans / Assets | 76.09% | 53.60% | 66.97% | 76.08% | 75th pctl | 186 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |