Crest 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 Reserve coverage of non-performing loans: 230.46 percentage points higher than in Q1 2026, at 1241.49%. Crest Savings Bank ranks 30th of 49 New Jersey banks on return on assets, in the lower half at 0.48% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Crest Savings Bank reported 0.48% on return on assets in Q2 2026, 0.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.45% |
| Tier 1 risk-based capital ratio | 14.45% |
| Total risk-based capital ratio | 15.32% |
| Tier 1 leverage ratio | 8.85% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.45% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 1241.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.48% |
| Return on equity | 5.48% |
| Net interest margin | 3.11% |
| Efficiency ratio | 79.06% |
| Yield on earning assets | 4.62% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.48% |
| Core deposits to total deposits | 93.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.98% |
| Securities to assets | 8.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.34% | 13.34% | 14.30% | 8.19% | 0.36% |
| Q4 2023 | 13.13% | 13.13% | 14.09% | 8.15% | 0.18% |
| Q1 2024 | 12.89% | 12.89% | 13.66% | 8.30% | 0.35% |
| Q2 2024 | 12.58% | 12.58% | 13.33% | 8.25% | 0.06% |
| Q3 2024 | 12.91% | 12.91% | 13.66% | 8.17% | 0.37% |
| Q4 2024 | 13.04% | 13.04% | 13.80% | 8.38% | 0.24% |
| Q1 2025 | 13.11% | 13.11% | 13.80% | 8.66% | 0.38% |
| Q2 2025 | 13.26% | 13.26% | 13.98% | 8.86% | 0.33% |
| Q3 2025 | 13.89% | 13.89% | 14.71% | 8.07% | 0.41% |
| Q4 2025 | 14.20% | 14.20% | 15.04% | 8.22% | 0.52% |
| Q1 2026 | 14.26% | 14.26% | 15.11% | 8.60% | 0.38% |
| Q2 2026 | 14.45% | 14.45% | 15.32% | 8.85% | 0.48% |
Crest Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crest 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 Crest Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28818) · FFIEC NIC profile (RSSD 172475)