# CREST SAVINGS BANK
WILDWOOD, NJ · FDIC certificate 28818 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $594.2M | |
| Deposits | $516.9M | |
| Loans and leases | $452.2M | |
| Total equity | $51.0M | |
| Loans / deposits | 86.90% (p64 of band) | 82.04% |
| Liquid assets / assets | 20.30% (p33 of band) | |
| Uninsured deposits / deposits | 31.17% (p70 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.61% (p51 of band) | |
| FHLB advances / assets | 3.61% | |
| Tier 1 leverage | 8.85% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -8.24% (p49 of band) | -8.10% |
| AOCI / equity | -0.07% (p69 of band) | |
| ROA (annualized) | 0.43% (p10 of band) | 1.28% |
| Net interest margin | 2.98% (p10 of band) | 3.91% |
| Efficiency ratio | 81.04% (p90 of band) | |
| Noncurrent loans | 0.01% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 4986.67% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 14.20% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 85 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | loans exceed deposits |
| 2011-12 | 1 | loans exceed deposits |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | liquid assets <10% |  |
| 2012-09 | 1 |  | liquid assets <10% |
| 2012-12 | 2 | liquid assets <10% |  |
| 2013-03 | 1 |  | liquid assets <10% |
| 2013-06 | 2 | liquid assets <10% |  |
| 2013-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | loans exceed deposits |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | capital falling | loans exceed deposits |
| 2015-12 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | capital falling | liquid assets <10% |
| 2016-12 | 2 | liquid assets <10% | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | liquid assets <10% |
| 2017-12 | 3 | liquid assets <10%, capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | liquid assets <10% |
| 2018-12 | 2 | liquid assets <10% |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | expense ratio p90 |  |
| 2019-09 | 2 |  | liquid assets <10% |
| 2019-12 | 3 | liquid assets <10% |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | liquid assets <10% |
| 2020-09 | 2 | capital falling | loans exceed deposits |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | leverage <7%, capital falling |  |
| 2021-12 | 3 | NIM <2.5% | capital falling |
| 2022-03 | 0 |  | expense ratio p90, leverage <7%, NIM <2.5% |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | leverage <7% |  |
| 2022-12 | 0 |  | leverage <7% |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | capital falling | assets shrinking, uninsured deposits leaving |
| 2024-03 | 4 | loans exceed deposits, expense ratio p90, NIM <2.5% | capital falling |
| 2024-06 | 3 |  | deposits shrinking |
| 2024-09 | 3 | capital falling | loans exceed deposits |
| 2024-12 | 1 |  | NIM <2.5%, capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | expense ratio p90 |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-01-05 [Crest Savings Bank Receives 5-Star Rating - Cape May County Herald](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQOGRUOURRZ3ZXZ1hKZzV1VUl1cFNkRW1tRmVqQmhJRG1yZnVnUUZqbktsTEhRVWRteld4aWlwVEpseks2UGM2Wkt3ZmVuOXVreHZpZGk0TEVVMTFwSzFCQVhlT3RVOThnVlhsUENVaEI3TnNIdEJOZ3ZtdzQ3Sl9xOWt5OXZDODQ0dUItVk1OTjRHNWFSTnpjbjVuRUpwX2M5cmYzZ19ET0o2amNNVFF3ZHhvT0J4YnNqenhJd0hZZnBYa3FMdTVPYm8yemRFYkdBMi1ySjBXRjd6Z2ZUU05jaG1Lb2taN1ZmbkQ5RzdKbzFvdlRHTkE?oc=5) · Cape May County Herald
- 2026-09-09 [NJBankers installs new officers on its board of directors for 2026-27 - ROI-NJ](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQnZuX0NnUUhyVkhENmVKVEp5VXpfV2tvbkhZWlJqdm45dzF0QjBUNmdJLU44TmpMSER2UGhzMHo0ZGNWZWZ1UXdwWGZZZHhfR0RvbGZfMTJqR2FqWDk1LVlYSmJmSjVWWXdSQzlBTmkxWHJBeGlNc0lzWG9FMWhKZmJCXzBOT1JsSmx2WDNGMDRwcDFUMzdySHJaelVyTl9tTTdWRkJ3cm94MmJGUzQzcWR3?oc=5) · ROI-NJ
- 2016-09-26 [3 Charged In Armed Bank Robbery In Cape May County - Patch](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWWhlUHhQaElfN0dDdjB4czZHMWJmTFZtSm1CV2xnOVIzcU0xbG1Nczc1bk1rYkN6S0ROYzF3TWhZcjRDaEFXa2lwX0hwYk55bEJOWDJQVW1DeTV6NmNodkxYUUEtRGo0ZzRnMTJvaWtjeFZIWGpZaVBQU1RRa1RXeWZaTHlNRGY0ZzB3?oc=5) · Patch
- 2016-09-26 [3 charged in connection with Cape May County bank robbery - NJ.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSGdNeDIwMGw1MzVaTExJWXY1NVd5YUJ1WndWUWdtQ0JQSVpWSzhnall1anJLenRWZ0VQSGVmY0YtcC1GNklUbVAzc29QVlRQeGlvbHJGWUNjdlhpX2htQVZzbEFvN3g0MGRDbktUUV83RzlnRUpjcHE0X3FRbm1Ia2Y2ZWJ4UjJkQ1c0TEd1NWNTRUE?oc=5) · NJ.com
- 2017-01-06 [Makin Money: Central Jersey business award winners - Central New Jersey News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWTg5V1JNY1BqNHh5R1pRV3hydXd2STFXNjhuN2oyMEwzWENUdG0tUlYxZ0lsbk9HTV82QThTUVpFc1lNTzNwODI2MFdSbXpCRGZrV0JmYVdXZ3dhUW5WLXlUaEYzLVdFaGNvTnpEY3JPWkoweHhscU5FRG9ERDc3YlVYZHpETExlQzk1TTVHYUhrd0hoWDhmRmhVeVkyZVZkNFFKaFh6Y2g0Xy1kSHVzMk9xY3Y0NGJJWUpvZ2NFRmM?oc=5) · Central New Jersey News
- 2025-09-23 [Cheryl Spaulding Wins Women of Wonder Award From Atlantic Cape CC, Cape May County Women’s Commission - Front Runner New Jersey](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQTzlIcmdpd0IwMlVqY05uNzdpejdacFZNSHZUM3RmSjNBQ1A0UkJSaUUtU0M4YzVOV3RUM2puWFNhc2lSLU1Nd3M4Rll6bGlTdFZuV3dBRlpRNkZaUU1LZDBjWDJmQk5RLW9ESGM2Ty10dUdWYi1sMXhTM2VBcmZIYU5EZHRmREdJNjQxMmxkZ1dKX0VRQUZDYjl6ZlFMR1FwN3RZWmhjdjd4QVdaWHlyTkZ2YWNFSFc3MDdBYzdESU9WYWpOSDNZMXNpaGFJRjRXcmlQMC1ENVVSYkx5?oc=5) · Front Runner New Jersey
- 2023-05-23 [John Taylor Obituary (1929 - 2023) - Wildwood Crest, NJ - The Press of Atlantic City - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTC04SHZHM0xOWnlveGVvTTJGRURCZERkV0s5MHlFd2VsNXZ1SXQzTWs5d2VJbVhINmdmMWZ6bjVleTFZb1hvRWdXeHljTW44THY4UjZjV2xYOGNDcUtRWUwwb2lCTk5kRzN6bl9FZVpHb3BwRks4YlJEYTdIeUdEZzNRTHFWbVlIR3NZQ05GakxZRzh6Nk9KbjRR?oc=5) · legacy.com
- 2025-09-22 [3 Named Women Of Wonder In Cape May Co. For 2025 - Patch](https://news.google.com/rss/articles/CBMiggFBVV95cUxQNlJEcHlOSl9haEUzWnRycjEtYTR1cXJSMzNYUVFCS2U4cm0yRWtndWg2V2FUU2U0dUlyQWFxaHl5bFdoMHU4NE9UUUVTYnpjMWFfN2p1RFZPczUyZ09aZXBXWmRXa1VWN25XNnhET3NwUEVFTEpVNVE0TmtoczV0clp3?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28818 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "28818", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide