Century Savings Bank: Bank Stress & Real-Estate Credit Exposure

At 79/100, Century Savings Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #30428. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps Century Savings Bank into 3 counties (59 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in New Jersey (3 counties). Its lending reaches counties such as Gloucester County, NJ, Cumberland County, NJ, Salem County, NJ, each tied back to DLRadar's distress signals. The combination of a severe reading and a compact footprint is what makes Century Savings Bank worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Century Savings Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. DLRadar does not model Century Savings Bank in isolation: the 59-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Century Savings Bank is held under Century Bcorp Mhc, so its disclosures are public and its stress trajectory is externally verifiable. The Century Savings Bank score updates as fresh FDIC call reports post each quarter, so its 79/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Century Savings Bank is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when Century Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.