Century Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Century Savings Bank is an FDIC-insured savings bank headquartered in Vineland, NJ, established in 1865 (FDIC certificate 30428), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $634.8M, down 1.8% from Q2 2025, the 32nd largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30428
- Headquarters
- Vineland, NJ
- Established
- 1865
- Total assets, Q2 2026
- $634.8M
- Assets vs Q2 2025
- -1.8%
- Tier 1 leverage ratio, Q2 2026
- 13.20%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 231270366
- Latest call report
- Q2 2026, FFIEC 051 · Century Savings Bank call report
- Holding company
- CENTURY BANCORP INC
- Asset rank in state
- 32nd of 49 in New Jersey
Century Savings Bank spends more to run itself than most banks of its size. It reported $635 million in assets at June 30, 2026, down 1.8% from a year earlier. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 0.90% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $35 million equal 39% of Tier 1 capital, down from 55% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 4.1% and deposits fell 4.7%. Its margin is thin by comparison: it keeps 3.43 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Century Savings Bank reported a return on assets of 0.38%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Century Savings Bank is the 32nd largest of the 49 banks headquartered in New Jersey. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $634.8M, loans rose 2.8% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.5% of total loans, ahead of owner-occupied commercial real estate loans at 24.3%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in NJ; its Vineland 2 offices book 40% of its branch deposits. On its Q2 2026 call report, Century Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1376 W Sherman Ave, Vineland, NJ 08360
- County
- Cumberland
- Metro Area
- Vineland, NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1865
- Former names
- Century Federal Savings and Loan Association of Bridgeton (1964-1996); Bridgeton Federal Savings and Loan Association (1954-1964)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $489.7M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $663.1M
- Average total loans
- $331.0M
- Average interest-bearing deposits
- $380.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 5, 1953
- FDIC Cert
- 30428
- Fed RSSD
- 392778
- Website
- www.centurysb.com →
- Parent Holding Company
- CENTURY BANCORP INC (RSSD 2560496)
- Ultimate Parent
- CENTURY BANCORP MHC (RSSD 2560508)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Century Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Century Savings Bank's total assets ran between $627.2M (Q2 2024) and $649.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$634.8M total assets against $646.8M; $570.4M total liabilities against $594.2M.
$331.6M net loans and leases against $318.8M; $489.7M total deposits against $513.8M.
$217.8M securities against $238.5M; $20.8M cash and balances due against $30.7M.
$6.5M total interest income against $6.0M; $1.2M total interest expense against $1.5M.
$5.3M net interest income against $4.6M.
$446K total noninterest income against $499K; $3.4M total noninterest expense against $3.4M.
$54K provision for credit losses against $108K.
$629K net income against $598K.
0.38% return on assets against 0.36%; 3.43% net interest margin against 2.96%.
13.20% tier 1 leverage ratio against 12.55%.
Inside the full Century Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentury Savings Bank rankings
Its closest position to the top of a national ranking is 1,481 of 4,196, for total assets; its furthest is 3,390 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q2 2025) to 0.97% (Q3 2025) and its net interest margin ran from 2.77% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.20% | 0.38% | 0.00% | 0.00% | 3.43% |
| Q1 2026 | 12.97% | 0.63% | 0.00% | 0.00% | 3.22% |
| Q4 2025 | 12.76% | 0.41% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 12.59% | 0.97% | 0.00% | 0.00% | 3.06% |
| Q2 2025 | 12.55% | 0.36% | 0.00% | 0.00% | 2.96% |
| Q1 2025 | 12.50% | 0.79% | 0.00% | 0.00% | 2.88% |
| Q4 2024 | 12.47% | 0.50% | 0.00% | 0.00% | 2.81% |
| Q3 2024 | 12.45% | 0.59% | 0.00% | 0.00% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bridgeton Branch | Bridgeton , NJ | 08302 | $128.7M |
| Century Savings Bank (main office) | Vineland , NJ | 08360 | $110.4M |
| 1005 East Landis Avenue Branch | Vineland , NJ | 08360 | $85.9M |
| 800 East Broad Street Branch | Gibbstown , NJ | 08027 | $68.8M |
| 121 North Main St Branch | Elmer , NJ | 08318 | $54.1M |
| 100 North Main St Branch | Mullica Hill , NJ | 08062 | $41.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 6, 1981 | Structure Change | Acquired Mullica Hill Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NJ, rank 53 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 36 loans originated, $9.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $695K approved, $348K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Century Savings Bank
What are Century Savings Bank's total assets?
As of the Q2 2026 filing, Century Savings Bank reported total assets of $634.8 million in its FFIEC call report.
Where is Century Savings Bank headquartered?
It is headquartered in Vineland, NJ, United States.
When was Century Savings Bank founded?
It was established in 1865, per the FDIC institution directory.
Is Century Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30428). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Savings Bank?
Century Savings Bank's primary federal regulator is the FDIC.
How many branches does Century Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Century Savings Bank previously called?
The charter now named Century Savings Bank has also operated as Century Federal Savings and Loan Association of Bridgeton (1964-1996), Bridgeton Federal Savings and Loan Association (1954-1964), per FDIC structure-change records.
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