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Crest Savings Bank
Wildwood, NJ · FDIC Certificate #28818 · Chartered 01/0
Total assets
$594.24M
Total deposits
$516.85M
Total equity
$51.05M
Net loans
$449.17M
Branches (offices)
8
Net income (YTD)
$1.25M
Rank: #1,571 of 4,213 U.S. banks by assets · #34 of 49 in New Jersey. Assets changed 4.6% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 4.96% |
| Net interest margin (YTD) | 2.98% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 8.85% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 86.9% |
| Real estate loans (share of loans) | 94.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $423.89M | 94.4% | |
| Commercial & industrial | $3.33M | 0.7% | |
| Consumer / individual | $24.26M | 5.4% | |
| Construction & development | $7.25M | 1.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $618.94M | $538.10M | $1.27M | $44.58M |
| Jun 2023 | $580.14M | $475.90M | $1.14M | $47.41M |
| Jun 2024 | $574.66M | $463.63M | $577.00K | $46.58M |
| Jun 2025 | $568.11M | $494.89M | $974.00K | $48.42M |
| Jun 2026 | $594.24M | $516.85M | $1.25M | $51.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $516.85M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $516.85M.
Similar-sized banks
Citizens State Bank ($594.40M) · Mnb Bank ($594.10M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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