BlastPoint's Banking Scorecard
Crest Savings Bank
Community
Specialty: Mortgage
NJ
FDIC cert 28818
Wildwood, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Crest Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 39% in Community
- - Return on Assets 0.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.9M
+5.8% YoY
-5.1% QoQ
|
-$802.6M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$442.5M
-2.8% YoY
-0.4% QoQ
|
-$533.0M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$514.5M
+7.9% YoY
-5.8% QoQ
|
-$650.1M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.41%
+62.9% YoY
+11.7% QoQ
|
-0.75% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.87%
+14.7% YoY
+1.7% QoQ
|
-0.79% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
81.95%
-11.0% YoY
-2.2% QoQ
|
+19.32% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
86.01%
-10.0% YoY
+5.7% QoQ
|
+2.95% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
12.79%
+4.2% YoY
-21.7% QoQ
|
-8.26% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.20%
+8.8% YoY
+2.2% QoQ
|
+3.95% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.44%
-2.1% YoY
+41.7% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Efficiency Drag
risk
#60 of 152 · Bottom 39% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.95%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.41%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 10.24%
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.01% · Tier avg: 83.06%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
21
21th pctile
Total Loans
Current: $442.5M · Tier avg: $975.5M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.79% · Tier avg: 21.05%
15
15th pctile
Total Deposits
Current: $514.5M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $588.9M · Tier avg: $1.4B
13
13th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.16%
9
9th pctile
Efficiency Ratio
Current: 81.95% · Tier avg: 62.63%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 81.95% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.41% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.66%
13
13th pctile
Total Assets
Current: $588.9M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $514.5M · Tier avg: $1.2B
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.79% · Tier avg: 21.05%
21
21th pctile
Total Loans
Current: $442.5M · Tier avg: $975.5M
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.01% · Tier avg: 83.06%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%