Wildwood, NJ · Cert 28818 · Crest Savings Bcorp MHC
SI · FDIC · 8 branches
Q2 2026
Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 4.5% share · #7 of 16 inst. · $0.5B of $11.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.25% | 0.38% | 0.35% | 0.37% | 0.41% | 0.38% | 0.43% | +8 bps | |
| Return on Equity | 3.16% | 3.08% | 4.38% | 4.06% | 4.42% | 4.93% | 4.45% | 4.96% | +90 bps | |
| Net Interest Margin | 2.29% | 2.38% | 2.60% | 2.68% | 2.52% | 2.59% | 2.77% | 2.88% | +21 bps | |
| Efficiency Ratio | 93.06% | 92.07% | 88.73% | 86.53% | 83.80% | 81.95% | 83.05% | 81.04% | -549 bps | |
| Non-Interest Burden | 2.12% | 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 / Loans | 0.04% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.58% | 0.58% | 0.54% | 0.56% | 0.63% | 0.64% | 0.65% | 0.66% | +10 bps | |
| Allowance Coverage of NPLs | 15.0x | 15.0x | 20.6x | n/a | n/a | n/a | n/a | 49.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.17% | 8.38% | 8.66% | 8.86% | 8.07% | 8.22% | 8.60% | 8.85% | -1 bps | |
| Total Risk-Based Capital | 13.66% | 13.80% | 13.80% | 13.98% | 14.71% | 15.04% | 15.11% | 15.32% | +134 bps | |
| Equity / Assets | 8.13% | 8.52% | 8.69% | 8.52% | 7.91% | 8.46% | 8.69% | 8.59% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.50% | 96.10% | 96.73% | 92.61% | 81.90% | 86.57% | 89.04% | 87.48% | -512 bps | |
| Liquid Assets / Assets | 15.50% | 12.98% | 11.99% | 13.94% | 23.35% | 19.50% | 17.19% | 18.35% | +441 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 225% | 219% | 224% | n/a | n/a | |