Century Savings Bank: how it compares with its peers
Against 19 NJ banks with half to twice its assets, Century Savings Bank's strongest measure in Q2 2026 is efficiency ratio (53.34% vs. a 75.89% peer median). Its weakest relative measure is return on assets (0.53% vs. 0.68%).
| Measure | Century Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.53% | 0.68% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.15% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.34% | 75.89% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $10.3M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.73% | 90.03% | Context |
What it means for lending operations
Its efficiency ratio of 53.34% is better than the 75.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Crown Bank Elizabeth, NJ · $614M
- First Hope Bank, A National Banking Association Hope, NJ · $657M
- Crest Savings Bank Wildwood, NJ · $594M
- Cenlar FSB Ewing, NJ · $782M
- Hana Bank USA, National Association Fort Lee, NJ · $835M
- Freedom Bank Maywood, NJ · $838M
Questions about Century Savings Bank
How big is Century Savings Bank?
Century Savings Bank, established in 1865, is headquartered in Vineland, NJ. It reported $635M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Century Savings Bank's return on assets?
0.53% annualized in Q2 2026, against a 0.68% median for 19 NJ banks with half to twice its assets, ahead of 47% of them.
What is Century Savings Bank's efficiency ratio?
53.34% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 75.89%, and lower is better.
Is Century Savings Bank growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits shrank 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.