Crest Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Crest Savings Bank is an FDIC-insured savings bank headquartered in Wildwood, NJ, established in 1919 (FDIC certificate 28818), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $594.2M, up 4.6% from Q2 2025, the 34th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 14.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28818
- Headquarters
- Wildwood, NJ
- Established
- 1919
- Total assets, Q2 2026
- $594.2M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 14.45%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 231271501
- Latest call report
- Q2 2026, FFIEC 051 · Crest Savings Bank call report
- Holding company
- CREST SAVINGS BANCORP, INC
- Asset rank in state
- 34th of 49 in New Jersey
Crest Savings Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $594 million at June 30, 2026, up 4.6% from a year earlier; it is based in Wildwood, New Jersey. It funds 8.85% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also earns about $0.48 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $694,000, 54% above the same quarter a year earlier. Over the same year, loans shrank 1.3% and deposits grew 4.4%. Its margin is thin by comparison: it keeps 3.11 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, Crest Savings Bank reported a CET1 capital ratio of 14.45%, a return on assets of 0.48%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Crest Savings Bank is the 34th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets rose 2.5% to $594.2M, loans rose 0.6% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 68.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.9%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in NJ; its Wildwood Crest office books 26% of its branch deposits. On its Q2 2026 call report, Crest Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3301 Pacific Ave, Wildwood, NJ 08260
- County
- Cape May
- Metro Area
- Atlantic City-Hammonton, 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, 1919
- Former names
- Crest Savings Bank, S.L.A. (1995-2000)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $516.9M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $577.0M
- Average total loans
- $447.1M
- Average interest-bearing deposits
- $412.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28818
- Fed RSSD
- 172475
- Website
- www.crestsavings.bank →
- Parent Holding Company
- CREST SAVINGS BANCORP, INC (RSSD 3836910)
- Ultimate Parent
- CREST SAVINGS BANCORP, MHC (RSSD 3836901)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Crest Savings Bank's total assets moved between a low of $552.2M (Q1 2025) and a high of $620.2M (Q3 2025) from Q3 2023 to Q2 2026, 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
$594.2M total assets against $568.1M; $543.2M total liabilities against $519.7M.
$449.2M net loans and leases against $455.7M; $516.9M total deposits against $494.9M.
$49.0M securities against $52.4M; $71.6M cash and balances due against $35.8M.
$6.3M total interest income against $5.8M; $2.1M total interest expense against $2.1M.
$4.3M net interest income against $3.7M.
$492K total noninterest income against $632K; $3.8M total noninterest expense against $3.7M.
$74K provision for credit losses against $92K.
$694K net income against $451K.
0.48% return on assets against 0.33%; 3.11% net interest margin against 2.87%.
14.45% CET1 capital ratio against 13.26%; 8.85% tier 1 leverage ratio against 8.86%.
Inside the full Crest Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCrest Savings Bank rankings
Its closest position to the top of a national ranking is 1,563 of 4,196, for total assets; its furthest is 3,263 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.24% (Q4 2024) to 0.52% (Q4 2025) and its net interest margin ran from 2.52% (Q4 2024) to 3.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.45% | 0.48% | 0.01% | 0.11% | 3.11% |
| Q1 2026 | 14.26% | 0.38% | 0.00% | 0.00% | 2.91% |
| Q4 2025 | 14.20% | 0.52% | 0.00% | 0.00% | 2.90% |
| Q3 2025 | 13.89% | 0.41% | 0.00% | 0.00% | 2.93% |
| Q2 2025 | 13.26% | 0.33% | 0.00% | 0.00% | 2.87% |
| Q1 2025 | 13.11% | 0.38% | 0.03% | 0.24% | 2.72% |
| Q4 2024 | 13.04% | 0.24% | 0.04% | 0.36% | 2.52% |
| Q3 2024 | 12.91% | 0.37% | 0.04% | 0.36% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| 5500 New Jersey Avenue Branch | Wildwood Crest , NJ | 08260 | $132.1M |
| Crest Savings Bank (main office) | Wildwood , NJ | 08260 | $124.7M |
| 500 New Jersey Avenue Branch | North Wildwood , NJ | 08260 | $88.9M |
| 3306 Bayshore Road Branch | North Cape May , NJ | 08204 | $73.4M |
| Cape May Court House Branch | Cape May Court House , NJ | 08210 | $39.9M |
| Villas Branch | Villas , NJ | 08251 | $24.2M |
| Sea Isle City Branch | Sea Isle City , NJ | 08243 | $18.2M |
| Cape May Branch | Cape May , NJ | 08204 | $15.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- March 25, 1993, OCC (former OTS): Cease and Desist: Crest S&LA
- Period: Most recent institution action March 25, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NJ, rank 51 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 119 applications, 70 loans originated, $26.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 Crest Savings Bank
What are Crest Savings Bank's total assets?
As of the Q2 2026 filing, Crest Savings Bank reported total assets of $594.2 million in its FFIEC call report.
Where is Crest Savings Bank headquartered?
It is headquartered in Wildwood, NJ, United States.
When was Crest Savings Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Crest Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crest Savings Bank?
Crest Savings Bank's primary federal regulator is the FDIC.
What is Crest Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Crest Savings Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crest Savings Bank's Texas Ratio?
Its Texas Ratio is 0.11% 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 Crest Savings Bank previously called?
The charter now named Crest Savings Bank has also operated as Crest Savings Bank, S.L.A. (1995-2000), per FDIC structure-change records.
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