BlastPoint's Banking Scorecard
Century Savings Bank
Community
Specialty: Commercial
NJ
FDIC cert 30428
Vineland, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Century 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
- - Capital Thin: Bottom 14% in Community
- - Flatlined Growth: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$644.6M
+0.1% YoY
+0.1% QoQ
|
-$746.8M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$321.5M
+4.4% YoY
-0.2% QoQ
|
-$654.0M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$506.4M
-2.9% YoY
-0.5% QoQ
|
-$658.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.66%
+8.4% YoY
-10.2% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.24%
+9.6% YoY
+2.0% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
62.11%
-10.6% YoY
-3.2% QoQ
|
-0.52% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? | 0.00% | -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 ? |
63.49%
+7.4% YoY
+0.3% QoQ
|
-19.58% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.56%
+6.6% YoY
+2.9% QoQ
|
-0.49% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.37%
+47.9% YoY
+58.1% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
32% |
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)
Capital Thin
risk
#63 of 432 · Bottom 14% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#39 of 245 · Bottom 16% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.66%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 21.05%
50
50th pctile
Efficiency Ratio
Current: 62.11% · Tier avg: 62.63%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
21
21th pctile
Total Assets
Current: $644.6M · Tier avg: $1.4B
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
14
14th pctile
Total Deposits
Current: $506.4M · Tier avg: $1.2B
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.49% · Tier avg: 83.06%
6
6th pctile
Total Loans
Current: $321.5M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $321.5M · Tier avg: $975.5M
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.49% · Tier avg: 83.06%
14
14th pctile
Total Deposits
Current: $506.4M · Tier avg: $1.2B
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
21
21th pctile
Total Assets
Current: $644.6M · Tier avg: $1.4B
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
50
50th pctile
Efficiency Ratio
Current: 62.11% · Tier avg: 62.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.56% · Tier avg: 21.05%
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%