Century Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.00 percentage points higher than in Q1 2026, at 68.76%. Within New Jersey, Century Savings Bank is 33rd of 49 on return on assets, 0.38% as of Q2 2026, below the middle of the field. Century Savings Bank's return on assets of 0.38% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.20% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.38% |
| Return on equity | 3.96% |
| Net interest margin | 3.43% |
| Efficiency ratio | 58.82% |
| Yield on earning assets | 4.22% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.76% |
| Core deposits to total deposits | 94.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.14% |
| Securities to assets | 34.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.50% | 0.62% | 2.64% | 0.05% | -0.96% |
| Q4 2023 | 12.62% | 0.60% | 2.76% | 0.05% | -0.02% |
| Q1 2024 | 12.52% | 0.68% | 2.64% | 0.05% | -0.03% |
| Q2 2024 | 12.89% | 0.66% | 2.74% | 0.03% | -0.23% |
| Q3 2024 | 12.45% | 0.59% | 2.77% | 0.00% | -0.02% |
| Q4 2024 | 12.47% | 0.50% | 2.81% | 0.00% | -0.02% |
| Q1 2025 | 12.50% | 0.79% | 2.88% | 0.00% | -0.01% |
| Q2 2025 | 12.55% | 0.36% | 2.96% | 0.00% | -0.01% |
| Q3 2025 | 12.59% | 0.97% | 3.06% | 0.00% | -0.01% |
| Q4 2025 | 12.76% | 0.41% | 3.15% | 0.00% | -0.02% |
| Q1 2026 | 12.97% | 0.63% | 3.22% | 0.00% | -0.01% |
| Q2 2026 | 13.20% | 0.38% | 3.43% | 0.00% | -0.01% |
Century Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)