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Century Savings Bank

Vineland, NJ · Cert 30428 · Century Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

84

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

Century Savings Bank

Vineland, NJ · Cert 30428 · Century Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$634.8MAssets
$336.7MLoans
$489.7MDeposits
$64.4MEquity
Loan mix
90%RE $276.3M10%C&I $30.6M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $377.6M23%Noninterest $112.0MQ3 2024Q2 2026

Market Position · Vineland, NJ · 2026 SOD (annual) · 6.1% share · #5 of 10 inst. · $0.3B of $5.3B

6.1% Cumberland
1.2% Gloucester
4.0% Salem

Executive Summary

  • Earnings: ROA of 0.53%, down 6 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.20%, up 65 bps from a year ago.
  • Funding: loans stand at 68.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.53%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+39 bps YoY

Efficiency Ratio (YTD, annualized)

53.34%-1,320 bps YoY

Tier 1 Leverage Ratio

13.20%+65 bps YoY

NIM

3.71%Q2 ’243.60%Q2 ’253.87%Q2 ’26-1%+14%

Non-interest income vs. expense

2.10%Q2 ’242.00%Q2 ’252.04%Q2 ’26-7%-23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.61%0.81%0.59%0.73%0.66%0.66%0.53%-6 bps
Return on Equity9.35%8.80%10.84%7.67%9.17%7.94%6.86%5.39%-228 bps
Net Interest Margin2.61%2.61%2.69%2.72%2.73%2.80%2.99%3.11%+39 bps
Efficiency Ratio69.98%69.45%66.16%66.54%64.14%62.11%48.00%53.34%-1,320 bps
Non-Interest Burden1.76%1.74%1.69%1.72%1.65%1.61%0.85%1.33%-39 bps
Growth
Asset Growth (YoY)0.55%1.16%-0.38%3.13%1.14%0.85%0.08%-1.85%-497 bps
Loan Growth (YoY)6.53%4.21%8.57%7.35%5.51%4.47%2.06%4.13%-323 bps
Deposit Growth (YoY)-4.46%0.32%-1.20%0.50%0.31%-2.86%-2.99%-4.70%-520 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.09%-0.07%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%0 bps
Allowance / Loans1.34%1.36%1.38%1.42%1.45%1.46%1.48%1.50%+8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.45%12.47%12.50%12.55%12.59%12.76%12.97%13.20%+65 bps
Total Risk-Based Capital12.45%12.47%12.50%12.55%12.59%12.76%12.97%13.20%+65 bps
Equity / Assets7.79%7.11%7.84%8.13%8.82%9.37%9.79%10.14%+201 bps
Liquidity & Funding
Loans / Deposits61.05%59.91%62.50%62.93%64.22%64.43%65.76%68.76%+583 bps
Liquid Assets / Assets7.32%9.22%7.37%9.29%8.76%9.48%8.45%6.55%-274 bps
CRE / Total Capitaln/an/an/an/a217%215%217%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

Century Savings Bank

Vineland, NJ · Cert 30428 · Peer group: banks under $1B in assets (n=581-629) · Century Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$634.8MAssets
$336.7MLoans
$489.7MDeposits
$64.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on assets trails 79% of banks under $1B in assets (rank 495 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.53%

Rank 495 of 629

Net Interest Margin

3.11%

Rank 450 of 629

Efficiency Ratio

53.34%

Rank 102 of 629

Equity / Assets

10.14%

Rank 369 of 629

Non-interest income vs. expense

$4.7M$13.5MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 84% of banks under $1B in assets
Bank 53.34%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.53%0.60%1.01%1.45%Beats 21%495 / 629
Return on Equity5.25%5.38%9.30%13.28%Beats 24%477 / 629
Net Interest Margin3.11%3.03%3.54%4.05%Beats 28%450 / 629
Efficiency Ratio53.34%58.35%67.79%79.08%Beats 84%102 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.20%11.24%13.84%18.77%Beats 46%342 / 629
Total Risk-Based Capital Ratio13.20%11.58%14.43%19.66%Beats 40%375 / 629
Equity / Assets10.14%9.09%10.65%13.80%Beats 41%369 / 629
Liquidity & Funding
Loans / Deposits68.76%67.24%80.90%93.48%28th pctl428 / 594
Loans / Assets53.04%53.31%67.71%78.15%24th pctl475 / 629
Brokered Deposits / Depositsn/aNot reported for this institution