FDIC Cert #30428 · Vineland, New Jersey · Est. 1865

Century Savings Bank - FDIC Bank Health Profile

A community-scale look at Century Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$650M
Total assets
B
Health grade · Good
0.66%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Century Savings Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.76% Tier 1, 0.66% ROA, 62% efficiency ratio.

#1,468
largest of 4,313 FDIC banks by assets
66th
percentile by asset size, nationally
12.76%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 30428 · NJ B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2335/4307
  • PHOTO-FINISH Glacier Bank · MT
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Glacier Bank, MT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Century Savings Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Affinity Bank, Natio… · GA ·…77/100Century Savings Bank · NJ · …77/100First Sentinel Bank · VA · n…77/100Glacier Bank · MT · near77/100The Wilmington Savin… · OH ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Savings Bank · July 2026

What Century Savings Bank's Call Report plate shows

Century Savings Bank (FDIC Cert #30428) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,335 of 4,307. Tier 1 capital prints at 12.76%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.66%. Balance-sheet scale is $650M, 1,468th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Glacier Bank (MT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Century Savings Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Century Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Century Savings Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Century Savings Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Century Savings Bank's composite health score
Tier 1 Capital Ratio (12.76%) 35/40
Return on Assets (ROA) (0.66%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (62.11%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$650M

Total balance-sheet footings

Total Deposits

$506M

Customer-funded liabilities

Net Loans

$322M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.36% 12.76% 14.16%
Basel III capital ratios - Century Savings Bank

Where Century Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Savings Bank's score of 77/100 falls in the highlighted band.

Century Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Century Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Century Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Century Savings Bank's $650M falls in the highlighted band.

Safety ratios for Century Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.76%
Texas Ratio
0.00%
Equity Capital
$61M

What these ratios mean →

Profitability metrics: Century Savings Bank

Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
7.94%
Efficiency Ratio
62.11%

What these mean →

Income & expense at Century Savings Bank

$25M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Century Savings Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($650M here), outside New Jersey so the neighborhood is not state containment.

Concordia Bank & Trust Company $650M · LA Bank of Odessa $650M · MO The Poca Valley Bank, Inc. $649M · WV TXN Bank $650M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Savings Bank (FDIC Cert #30428) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Century Savings Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%