Crest Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Crest Savings Bank of Wildwood, NJ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.48% | 1.34% | -0.86% | 12th bottom |
| ROAE | 5.48% | 13.32% | -7.84% | 16th bottom |
| Net Interest Margin | 3.11% | 3.93% | -0.82% | 13th bottom |
| Efficiency Ratio | 79.06% | 61.13% | +17.93% | 15th bottom |
| PPNR / Avg Assets | 0.69% | 1.68% | -0.99% | 12th bottom |
| Yield on Earning Assets | 4.62% | 5.67% | -1.05% | 11th bottom |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.66% | 1.28% | -0.62% | 6th bottom |
| ACL / NPLs (Coverage) | 1241.49% | 1538.86% | -297.37% | — |
| Texas Ratio | 0.45% | 7.34% | -6.89% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.45% | 19.51% | -5.06% | 44th below |
| Tier 1 Ratio | 14.45% | 19.54% | -5.09% | 43rd below |
| Total Capital Ratio | 15.32% | 20.63% | -5.31% | 41st below |
| Leverage Ratio | 8.85% | 12.14% | -3.29% | 11th bottom |
| Equity / Assets | 8.59% | 11.38% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 8.59% | 11.09% | -2.50% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.48% | 80.63% | +6.85% | 34th below |
| Core Deposit Ratio | 93.50% | 86.86% | +6.64% | 76th top |
| Wholesale Funding Ratio | 3.61% | 5.03% | -1.42% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.60% | 6.85% | -2.25% | 51st above |
| Loan Growth (Y/Y) | -1.34% | 7.91% | -9.25% | 18th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.44% | 6.29% | -1.85% | 53rd above |
See Crest Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Crest Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Crest Savings Bank profile, how to read a UBPR, or how this data updates.