TellerScore

Crest Savings Bank (FDIC certificate #28818) is based in Wildwood, New Jersey. Its Q2 2026 call report shows $594.2M in total assets and $516.9M in deposits and 8 offices.

Crest Savings Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 29th. Loan quality contributes the most (100/100, 0.01%); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.85%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 86.9% · 31.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).

TellerScore
565962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202457
Q4 202457
Q1 202559
Q2 202561
Q3 202559
Q4 202560
Q1 202661
Q2 202662
Tier 1 leverage ratio
5.00%6.93%8.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.25%
Q3 20248.17%
Q4 20248.38%
Q1 20258.66%
Q2 20258.86%
Q3 20258.07%
Q4 20258.22%
Q1 20268.60%
Q2 20268.85%
Noncurrent loans
0.00%0.02%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.04%
Q4 20240.04%
Q1 20250.03%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.01%
Return on assets
0.20%0.31%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.26%
Q4 20240.25%
Q1 20250.38%
Q2 20250.35%
Q3 20250.37%
Q4 20250.41%
Q1 20260.38%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$594.2M8.85%0.01%0.43%86.9%
Q1 202661$579.6M8.60%0.00%0.38%88.5%
Q4 202560$588.9M8.22%0.00%0.41%86.0%
Q3 202559$620.2M8.07%0.00%0.37%81.4%
Q2 202561$568.1M8.86%0.00%0.35%92.1%
Q1 202559$552.2M8.66%0.03%0.38%96.2%
Q4 202457$556.8M8.38%0.04%0.25%95.5%
Q3 202457$579.4M8.17%0.04%0.26%92.0%
Q2 202456$574.7M8.25%0.05%0.20%101.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.85%
10th
Total risk-based capital15.32%
69th
Problem loans0.01%
85th
Net charge-offs-0.00%
76th
Return on assets0.43%
10th
Net interest margin2.98%
10th
Efficiency ratio81.0%
12th
Loans to deposits86.9%
33rd
Uninsured deposits31.2%
25th
Loan-loss reserves0.66%
7th
Texas ratio0.1%
85th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Crown BankBank Elizabeth, NJ58 out of 100, Moderate$614.3M26.1%5.77%vs
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
First Hope Bank, A National Banking AssociationBank Hope, NJ70 out of 100, Strong$656.7M10.0%0.00%vs
Haddon Savings BankBank Haddon Heights, NJ58 out of 100, Moderate$421.4M8.3%0.24%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs
The First National Bank of ElmerBank Elmer, NJ58 out of 100, Moderate$407.8M10.0%1.14%vs

Deposit insurance

Is my money safe at Crest Savings Bank?

Yes. Crest Savings Bank is an FDIC-insured institution (FDIC certificate #28818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.2% of deposits ($161.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.32% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Crest Savings Bank lists 8 offices in 8 cities. Most locations:

  • Cape May, NJ (1)
  • Cape May Court House, NJ (1)
  • North Cape May, NJ (1)
  • North Wildwood, NJ (1)
  • Sea Isle City, NJ (1)
  • Villas, NJ (1)
  • Wildwood, NJ (1)
  • Wildwood Crest, NJ (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Crest Savings Bank reported 91 home-loan applications under HMDA (LEI 549300WI4N6NVVJ1DV85): 70 originated ($26,110,000 total), 4 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Crest Savings Bank
Former names
Crest Savings and Loan Association; Crest Savings Bank, S.L.A.
Type
SI
FDIC certificate #
28818
RSSD ID
172475
Primary regulator
FDIC
Holding company
Crest Savings Bcorp Mhc
Established
January 1, 1919
Headquarters
3301 Pacific Ave, Wildwood, NJ 08260
Employees
85

Quick answers

Crest Savings Bank: common questions

Is Crest Savings Bank FDIC insured?

Yes. Crest Savings Bank is an FDIC-insured institution (FDIC certificate #28818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Crest Savings Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Crest Savings Bank ever failed?

There is no failure record for FDIC certificate #28818 in the FDIC failed bank list.

How many branches does Crest Savings Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wildwood

InstitutionScoreAssetsCapitalProblem loansCompare
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$4.1M25.8%0.82%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs