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
Unfavorable gap of $8.8M · efficiency ratio beats 84% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.60% | 1.01% | 1.45% | Beats 21% | 495 / 629 | | |
| Return on Equity | 5.25% | 5.38% | 9.30% | 13.28% | Beats 24% | 477 / 629 | | |
| Net Interest Margin | 3.11% | 3.03% | 3.54% | 4.05% | Beats 28% | 450 / 629 | | |
| Efficiency Ratio | 53.34% | 58.35% | 67.79% | 79.08% | Beats 84% | 102 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.20% | 11.24% | 13.84% | 18.77% | Beats 46% | 342 / 629 | | |
| Total Risk-Based Capital Ratio | 13.20% | 11.58% | 14.43% | 19.66% | Beats 40% | 375 / 629 | | |
| Equity / Assets | 10.14% | 9.09% | 10.65% | 13.80% | Beats 41% | 369 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.76% | 67.24% | 80.90% | 93.48% | 28th pctl | 428 / 594 | | |
| Loans / Assets | 53.04% | 53.31% | 67.71% | 78.15% | 24th pctl | 475 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |