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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Cross River Bank

Fort Lee, New Jersey · $8.53B in assets · beside the 9 other New Jersey banks between $3B and $10B

The filing

83.0%
Efficiency
10th of 10
0.5x
Coverage of noncurrent
9th of 9
12.1%
Equity / assets
2nd of 10

Cross River Bank is the largest of the 10 New Jersey banks between $3B and $10B, with $8.53B in assets at 30 June 2026. Loans are 89.0% of deposits, 3rd of 10 against a median of 98.2%, and equity is 12.1% of assets, 2nd of 10. Loans grew +4.5% in the year, 5th of 10, and deposits grew 0.5%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 2.79% of the book, 9th of 10 against a median of 0.84%; 0.77% is 30 to 89 days past due, and the allowance covers them 0.5 times. Net charge-offs are 2.69% of loans, the highest in the cohort. Commercial real estate is 13.9% of loans, 2nd of 10 against a median of 47.7%, and 82% of capital, below the 300% screen, with construction at 20% against the 100% screen.

Return on assets is 0.12%, 9th of 10 against a median of 0.74%, on an efficiency ratio of 83.0%, the highest in the cohort. Five years ago it was 1.97%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioNJ banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 62.0% AB Amboy Bank 34.2% UB Unity Bank 41.3% SM Sumitomo Mitsui Trust Bank U Sa 51.7% FB First Bank 56.0% MB Manasquan Bank 59.8% PP Peapack Private Bank & Trust 64.2% SS Spencer Savings Bank Sla 66.8% KB Kearny Bank 71.9% BC BCB Community Bank 75.2% CR Cross River Bank 83.0%
Loans, year over yearNJ banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% PP Peapack Private Bank & Trust +14.7% UB Unity Bank +12.6% MB Manasquan Bank +6.9% AB Amboy Bank +4.8% CR Cross River Bank +4.5% SS Spencer Savings Bank Sla +3.3% FB First Bank +1.3% KB Kearny Bank +1.1% BC BCB Community Bank -9.2% SM Sumitomo Mitsui Trust Bank U Sa -21.8%

SBA 7(a), FY2008 to FY2026

Cross River Bank is the 29th largest 7(a) lender into New York of 402, with $175M across 177 loans, 0.9% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 24 of its 51 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Kings, NY$80M6th of 1693.2%-4.4 pts
Ocean, NJ$34M5th of 1194.0%-4.1 pts
Rockland, NY$30M7th of 1124.5%+0.5 pts
Orange, NY$20M8th of 1163.5%-2.9 pts
Union, NJ$16M13th of 1401.9%-3.3 pts
Nassau, NY$14M31st of 1710.8%+0.3 pts
Passaic, NJ$12M15th of 1112.1%-7.5 pts
Orange, FL$10M49th of 2010.5%thin
Bergen, NJ$10M43rd of 1610.6%-0.1 pts
Middlesex, NJ$10M43rd of 1500.8%-1.6 pts
Lee, FL$9M38th of 1690.8%thin
Queens, NY$8M43rd of 1550.4%quiet FY2019
New York, NY$8M60th of 2080.3%-0.3 pts
38 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade98$118M34.5%0.19%94th of 2,589
Wholesale trade54$71M20.8%0.28%65th of 1,651
Construction25$37M10.9%0.12%140th of 2,063
Manufacturing19$24M7.1%0.06%264th of 2,246
Health care & social assistance19$19M5.6%0.04%261st of 2,172
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Cross River Bank
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans CR Cross River Bank 0.9% $175M · 177 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Cross River Bank among them; owner-occupied excluded; bold marks a screen met
Cross River BankRankCohort median
Total CRE against capital, the 300% screen82%2nd of 10368%
Construction against capital, the 100% screen20%5th of 1028%
Construction and land development, share of loans3.4%5th of 103.9%
Non-owner-occupied nonfarm nonresidential, share of loans6.0%2nd of 1022.8%
Total CRE, the guidance definition, share of loans13.9%2nd of 1047.7%
CRE growth over 36 months, the third prong-34.1%1st of 9+6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Cross River Bank$8.53B0.1%83.0%2.79%2.69%1.4%89.0%12.1%
Peapack Private Bank & Trust$7.96B0.8%64.2%1.07%0.52%1.0%94.5%8.8%
Kearny Bank$7.67B0.5%71.9%0.81%0.02%0.8%102.5%9.4%
First Bank$4.09B0.9%56.0%0.86%0.39%1.4%101.5%11.1%
Spencer Savings Bank Sla$4.04B0.6%66.8%0.58%0.02%0.8%108.3%11.9%
Sumitomo Mitsui Trust Bank U Sa$3.92B1.7%51.7%0.00%0.00%0.0%0.0%13.9%
Manasquan Bank$3.59B0.7%59.8%0.64%0.28%0.8%96.1%9.3%
Unity Bank$3.18B2.0%41.3%1.23%-0.01%1.3%108.9%11.7%
Amboy Bank$3.12B2.6%34.2%0.30%-0.12%1.7%74.0%11.6%
BCB Community Bank$3.12B-0.5%75.2%2.85%0.79%1.7%100.3%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cross River BankCohort median
20212026Change20212026Change
Loans$13.46B$5.95B-56%$2.20B$3.14B+43%
Deposits$3.48B$6.68B+92%$2.64B$3.22B+22%
NPA / loans0.07%2.79%+2.72 pts0.55%0.84%+0.29 pts
Efficiency34.0%83.0%+49.0 pts53.8%62.0%+8.2 pts
ROA1.97%0.12%-1.85 pts1.14%0.74%-0.39 pts

This read was prepared for Cross River Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cross River Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $3B to $10B
Institution www.crossriverbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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