🏦Bank Scorer

CREST SAVINGS BANK

WILDWOOD, NJ · Supervised by FDIC

Est. 1919FDIC #28,818RSSD: FDIC-28818
Part ofCREST SAVINGS BCORP MHC→ View all charters
Outstanding Up

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.38%

Institution Profile

FDIC BankFind

Address

3301 Pacific Ave, WILDWOOD, NJ

County

Cape May County

Established

January 1, 1919

Total Assets

$580M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$580M

Total Deposits

$505M

Net Loans

$446M

Net Income

$557K

ROA

0.38%

ROE

4.45%

Risk-Based Capital

15.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.26%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$495M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413375.19%5.26%
202321781.11%3.69%
202223076.96%7.39%
202125080%3.20%
202032071.25%3.44%
201925780.54%3.50%
201823275.43%3.45%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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