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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 0.39%, up 2 bps year over year; NIM at 3.19%.
  • 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 (quarter, annualized)

0.39%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.19%+43 bps YoY

Efficiency Ratio (quarter, annualized)

59.78%-713 bps YoY

Tier 1 Leverage Ratio

13.20%+65 bps YoY

NIM

3.75%Q2 ’243.64%Q2 ’253.95%Q2 ’260%+16%

Non-interest income vs. expense

2.17%Q2 ’242.05%Q2 ’252.07%Q2 ’26-8%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.51%0.81%0.37%1.01%0.43%0.66%0.39%+2 bps
Return on Equity8.28%6.87%10.84%4.65%11.94%4.73%6.86%3.96%-70 bps
Net Interest Margin2.62%2.66%2.69%2.76%2.84%2.96%2.99%3.19%+43 bps
Efficiency Ratio69.89%67.90%66.16%66.92%59.66%56.76%48.00%59.78%-713 bps
Non-Interest Burden1.77%1.73%1.69%1.75%1.57%1.46%0.85%1.80%+5 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-0.02%-0.02%-0.01%-0.01%-0.01%-0.02%-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