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Overview / Commentary
5 Vaughn Drive
Princeton, NJ 08540

College Savings Bank is headquartered in Princeton and is the 47th largest bank in the state of New Jersey. It is also the 1,349th largest bank in the nation. It was established in 1987 and as of June of 2014, it had grown to 17 employees at 1 location. College Savings Bank has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 College Savings Bank had $0 in non-current loans and owned real-estate with $44.09 million in equity and loan loss allowances on hand to cover it. This gives College Savings Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, College Savings Bank has increased its total deposits by $13.65 million, resulting in 3.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth College Savings Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. College Savings Bank has $500.36 million in assets with $44.09 million in equity, resulting in a capitalization level of 8.81%, which is average.

Institution Statistics

FDIC Certificate #27041
Year Established1987
Primary RegulatorFDIC
Assets and Liabilities
Assets$500.36 million
Loans$237.45 million
Deposits$389.15 million
Equity Capital$43.97 million
Loan Loss Allowance$119,000
Real Estate Owned$0
Historic Data - June 2013
Assets$525.12 million
Equity Capital$43.45 million
Loan Loss Allowance$59,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.06%
Return on Equity0.73%
Interest Income$5.58 million
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College Savings Bank CD Rates

0.83%$250-3 Year CD
0.47%$250-1 Year CD

College Savings Bank IRA Rates

0.83%$250-3 Year IRA
0.47%$250-1 Year IRA

College Savings Bank Locations
College Savings Bank5 Vaughn DrivePrinceton, NJ 8540