Vineland, NJ · Cert 30428 · Century Bcorp MHC
SI · FDIC · 6 branches
Q2 2026
Market Position · Vineland, NJ · 2026 SOD (annual) · 6.1% share · #5 of 10 inst. · $0.3B of $5.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.73% | 0.66% | 0.66% | 0.53% | -6 bps | |
| Return on Equity | 7.67% | 9.17% | 7.94% | 6.86% | 5.39% | -228 bps | |
| Net Interest Margin | 2.72% | 2.73% | 2.80% | 2.99% | 3.11% | +39 bps | |
| Efficiency Ratio | 66.54% | 64.14% | 62.11% | 48.00% | 53.34% | -1,320 bps | |
| Non-Interest Burden | 1.72% | 1.65% | 1.61% | 0.85% | 1.33% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 1.14% | 0.85% | 0.08% | -1.85% | -497 bps | |
| Loan Growth (YoY) | 7.35% | 5.51% | 4.47% | 2.06% | 4.13% | -323 bps | |
| Deposit Growth (YoY) | 0.50% | 0.31% | -2.86% | -2.99% | -4.70% | -520 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.42% | 1.45% | 1.46% | 1.48% | 1.50% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.55% | 12.59% | 12.76% | 12.97% | 13.20% | +65 bps | |
| Total Risk-Based Capital | 12.55% | 12.59% | 12.76% | 12.97% | 13.20% | +65 bps | |
| Equity / Assets | 8.13% | 8.82% | 9.37% | 9.79% | 10.14% | +201 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.93% | 64.22% | 64.43% | 65.76% | 68.76% | +583 bps | |
| Liquid Assets / Assets | 9.29% | 8.76% | 9.48% | 8.45% | 6.55% | -274 bps | |
| CRE / Total Capital | n/a | 217% | 215% | 217% | n/a | n/a | |