Century Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 5.87 percentage points in Q2 2026, from 118.30% to 124.17%. It was the largest change from Q1 2026 among the key lines here. Century Savings Bank ranks 38th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 68.76% (Q2 2026). Century Savings Bank reported 68.76% on loan-to-deposit ratio for Q2 2026, 12.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $336.7M |
| Net loans and leases | $331.6M |
| Loans held for sale | $0 |
| Loans to total assets | 53.04% |
| Loan-to-deposit ratio | 68.76% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.48% |
| Multifamily (5+ residential) | 2.98% |
| Commercial and industrial | 10.23% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.17% |
| Construction concentration (Tier 1 capital + allowance) | 29.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.68% |
| Interest income on loans | $4.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $290.8M | $531.2M | 44.19% | 8.89% | 0.03% |
| Q4 2023 | $299.7M | $519.7M | 42.38% | 11.46% | 0.03% |
| Q1 2024 | $295.5M | $519.5M | 43.04% | 11.16% | 0.03% |
| Q2 2024 | $301.2M | $511.3M | 41.75% | 11.45% | 0.02% |
| Q3 2024 | $309.8M | $507.5M | 41.21% | 11.17% | 0.02% |
| Q4 2024 | $312.3M | $521.3M | 42.08% | 10.94% | 0.01% |
| Q1 2025 | $320.8M | $513.2M | 44.67% | 10.49% | 0.01% |
| Q2 2025 | $323.4M | $513.8M | 43.00% | 10.23% | 0.01% |
| Q3 2025 | $326.9M | $509.1M | 46.65% | 9.68% | 0.03% |
| Q4 2025 | $326.3M | $506.4M | 48.09% | 9.73% | 0.03% |
| Q1 2026 | $327.4M | $497.9M | 48.78% | 9.34% | 0.03% |
| Q2 2026 | $336.7M | $489.7M | 47.48% | 10.23% | 0.03% |
Century Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Century Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30428) · FFIEC NIC profile (RSSD 392778)