# CENTURY SAVINGS BANK
VINELAND, NJ · FDIC certificate 30428 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $634.8M | |
| Deposits | $489.7M | |
| Loans and leases | $336.7M | |
| Total equity | $64.4M | |
| Loans / deposits | 67.73% (p21 of band) | 82.04% |
| Liquid assets / assets | 37.57% (p79 of band) | |
| Uninsured deposits / deposits | 22.27% (p37 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.68% (p76 of band) | |
| FHLB advances / assets | 9.68% | |
| Tier 1 leverage | 13.20% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -53.50% (p4 of band) | -8.10% |
| AOCI / equity | 2.85% (p98 of band) | |
| ROA (annualized) | 0.53% (p12 of band) | 1.28% |
| Net interest margin | 3.60% (p33 of band) | 3.91% |
| Efficiency ratio | 53.34% (p26 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 41.88% (p49 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 | -4.7% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | NIM <2.5% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | NIM <2.5% |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | uninsured deposits leaving |  |
| 2018-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2019-03 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 |  | noncurrent p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 4 | capital falling |  |
| 2020-06 | 4 | charge-offs p90 | noncurrent p90 |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 1 |  | expense ratio p90, reserve under noncurrent, charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-03-04 [18 N.J. banks acknowledged on Newsweek’s best regional banks list - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWW15TXRoWXpYaTVtb3Q1dFluenVPOXRkWEU1cWIyNWpxWWRyQmthTnhjckVvWUxQN0MxVjI5bXhzLXA1d3BobHNtcjB3UkUwWmZINGxaSFZQSHh3VV84SjdWMzVfWl9JampFQlY3VC1qZWVzUHgyaktkdWVCeGZfM21CRXNiSVl6WnF5cmF6aWdTRXhiZUZRSnozWFRManFPX1hnOE1DRlM2dw?oc=5) · ROI-NJ
- 2020-02-10 [Century Savings in N.J. hires veteran banker as its president - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxORkNFQ2RObnNoUi1EVUVzYjFwUktYNllIMnBiRlRtYk9jeWltMXlvN0xwUm9QQkw2bVhXaVdWRTRIZ0x2ZUpmanljbldzMUNOc1EtWkE2NFF3eldQS1loMWJkTUN3VTRlMEFXMmFUZ3lwTU50aG9hc3Y3N2ZwT1lrN1BfMURTN0xlWFd5enBUeWVxbnZkb3g4UFBpMHQ?oc=5) · American Banker
- 2020-02-12 [Century Savings Bank Names Hanrahan President; Rehm, Senior VP of Commerical Lending - SNJ Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVWxEOWNVTFVVaGJQMUNWajl5QjdKZGRQbURrYWJBUWg4V3pTVmZuSmpvazFEVHR6eExHZ0NvVVpQSU9CdEY1M3ZrVTNFNUphdEFnaDZmRUxybVA4QUxHbEEwQ3o1M0JyS1dPSEEyQTdUejNwN1VzbUNDSmVRS0NfUlhhR3BVSVhGQ2txdmNUYkM3LW9xTUJWWnhLNkVsdVBCUUNlYnBkVQ?oc=5) · SNJ Today
- 2013-08-26 [Century Savings Bank donates 60-plus backpacks to Bridgeton students - NJ.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPaHBncEdEMEN5VFlESEJhTHFnSENIYnBobHRaTGdQQVRlQlREMmREbFR5Qkd3N3cxaVkyQmN6UmVvbjF6ZmVYdmtXUTlqWXpiVlRCb3BfRVdYY05QZEMyN2x5OTZyMW0tOVBNTlVndFBtWFBDTTJVajR0LWhHZXZ4dWZxRWZVSFpKYmdOR2E4TW9RNWNnUWFpRUk4RDZqZ2ZNVmR0WnlJSC1od3hubVowTQ?oc=5) · NJ.com
- 2016-03-04 [Century Savings Bank goes red - TheDailyJournal.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNYnVrdndwVk84ci1sS2p6TUFvbEs0SWxMMFJ4eGpqNmhmZ2JCM3ZJRGl4dmRPWm4wY0ZMSVNKSWJGWnpSaGRqbGp6V3gtMWdlSWZXejFELWtWZzBDSDVWd1BwUTFDVmxHWWp1S3pPdkxScFhxLTZZb1IwVW10ZnRaMExuamNPdlcteXNBeFZja0Q1WkRKeEswNUNZR1BUZ1cwbFE?oc=5) · TheDailyJournal.com
- 2025-04-08 [Best Banks and Credit Unions in New Jersey 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVVAzOWJ2YWxhNEgxMjJaYXg0Zzhld0YtaXpkWS0wVUk5STdDRFdWc3FWelRKMDNGamJJVThoSkpoUG5Jb2drb3pFVy1DZFRCaWJjZE1ZbmhMUVhrTlZ4bnNFZ1FtZXpBRnhjelhoQzR3S3FXNTZFQjNEQnY0QnBxb3hhWks2dEdmQkw4b3ZGR1BoZw?oc=5) · Newsweek Rankings
- 2021-06-22 [Century Savings Bank Appoints Haefele to Board of Directors - SNJ Today](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOXBwVHh0WGtKNnoycF9LNWUyMUJnbzhsam5Zd2RlU2MzREl3S0NGcEFhNlZmZlVObHlDbnNTZzJyYS1wMUFqamotLUFMU21lNmRkU3RYV2ttQVVfRWYxZl8tRzN0dDV6NDU1TWlncEFYMHhReDZLRVlTU2V3Yk10VFJyaHR3aVRn?oc=5) · SNJ Today
- 2015-03-18 [Century Savings Bank names new VP of mortgage and consumer lending - NJ.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOcVdlZ2xKMUdnQlNrb1BaRHhXdk1qblhJZVhERmpYcmxDYnI1R1FkU18tTl9Fd3dpTXZ3QmctR1Y5dUR5SWlSa3k1Sm1fNVNLNm1wdnZya1p3UGwybE9uSlZQMUhUcWdYY1lpRmRWczk0d1hvcjJzWDBORDh5bHkyNzJFYlN1SFkz?oc=5) · NJ.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30428 (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/28.json (key "30428", 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