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

Newfield National Bank

Newfield, New Jersey · $889M in assets · beside the 11 other New Jersey banks between $300M and $1B

The filing

65.0x
Coverage of noncurrent
1st of 9
59.1%
Loans / deposits
2nd of 12
7.7%
Equity / assets
11th of 12

Newfield National Bank is the third largest of the 12 New Jersey banks nearest its size between $300M and $1B, with $889M in assets at 30 June 2026. Loans are 59.1% of deposits, 2nd of 12 against a median of 87.5%, and equity is 7.7% of assets, 11th of 12. Loans grew +2.5% in the year, 6th of 12, and deposits fell 1.5%; the cohort's median loan growth is +1.5%.

Noncurrent loans are 0.02% of the book, 5th of 12 against a median of 0.23%; 0.02% is 30 to 89 days past due, and the allowance covers them 65.0 times. Commercial real estate is 37.5% of loans, 7th of 12 against a median of 35.8%, and 174% of capital, below the 300% screen, with construction at 30% against the 100% screen.

Return on assets is 0.70%, 6th of 12 against a median of 0.60%, on an efficiency ratio of 73.5%, 6th of 12. Five years ago it was 0.58%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 87.5% CF Cenlar FSB 45.7% NN Newfield National Bank 59.1% CS Century Savings Bank 68.8% FH First Hope Bank A National Bank Association 75.5% HS Haddon Savings Bank 75.9% CS Crest Savings Bank 87.5% HB Hana Bank USA National Association 87.5% HS Haven Savings Bank 90.8% NM New Millennium Bank 102.8% FB Freedom Bank 103.6% BS Bogota Savings Bank 110.8% CB Crown Bank 122.4%
Loans, year over yearNJ banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.5% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% FH First Hope Bank A National Bank Association +6.0% CS Century Savings Bank +4.1% NN Newfield National Bank +2.5% CB Crown Bank +0.5% CS Crest Savings Bank -1.3% NM New Millennium Bank -5.2% HS Haven Savings Bank -6.0% BS Bogota Savings Bank -8.0% CF Cenlar FSB -12.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Newfield National BankRankCohort median
Total CRE against capital, the 300% screen174%7th of 12171%
Construction against capital, the 100% screen30%8th of 1222%
Construction and land development, share of loans6.4%8th of 123.7%
Non-owner-occupied nonfarm nonresidential, share of loans28.4%9th of 1222.6%
Total CRE, the guidance definition, share of loans37.5%7th of 1235.8%
CRE growth over 36 months, the third prong+23.4%6th of 11+23.4%
Commercial real estate against capital, the 300% screenNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 171% CF Cenlar FSB 0% CS Century Savings Bank 131% BS Bogota Savings Bank 132% HB Hana Bank USA National Association 145% CS Crest Savings Bank 149% NM New Millennium Bank 168% NN Newfield National Bank 174% HS Haddon Savings Bank 192% CB Crown Bank 197% FH First Hope Bank A National Bank Association 229% HS Haven Savings Bank 398% FB Freedom Bank 575%
CRE growth over 36 months, the guidance's third prongNJ banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +23.4% BS Bogota Savings Bank -5.4% HS Haven Savings Bank -2.7% CS Crest Savings Bank +3.1% CB Crown Bank +14.7% FH First Hope Bank A National Bank Association +20.1% NN Newfield National Bank +23.4% CS Century Savings Bank +27.8% NM New Millennium Bank +38.6% FB Freedom Bank +39.8% HB Hana Bank USA National Association +127.9% HS Haddon Savings Bank +258.2%

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
Haven Savings Bank$987M-0.4%116.0%0.40%0.04%0.8%90.8%8.8%
New Millennium Bank$899M1.3%49.5%0.58%-0.06%1.4%102.8%14.6%
Newfield National Bank$889M0.7%73.5%0.02%0.00%1.3%59.1%7.7%
Bogota Savings Bank$872M0.3%82.2%4.30%0.00%0.4%110.8%15.2%
Freedom Bank$838M0.9%63.1%0.28%0.00%0.6%103.6%9.9%
Hana Bank USA National Association$835M2.8%55.5%0.00%-0.04%0.8%87.5%26.9%
Cenlar FSB$782M-1.3%104.2%0.21%0.00%0.0%45.7%17.8%
First Hope Bank A National Bank Association$657M0.8%78.3%0.00%0.02%1.3%75.5%9.4%
Century Savings Bank$635M0.5%53.3%0.00%-0.01%1.5%68.8%10.1%
Crown Bank$614M2.3%44.9%5.77%0.00%0.9%122.4%26.7%
Crest Savings Bank$594M0.4%81.0%0.01%0.00%0.7%87.5%8.6%
Haddon Savings Bank$421M-0.1%106.8%0.24%-0.02%0.5%75.9%5.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Newfield National BankCohort median
20212026Change20212026Change
Loans$446M$464M+4%$410M$489M+19%
Deposits$803M$785M-2%$517M$582M+12%
NPA / loans0.32%0.02%-0.30 pts0.34%0.23%-0.11 pts
Efficiency74.1%73.5%-0.7 pts75.8%75.9%+0.1 pts
ROA0.58%0.70%+0.12 pts0.55%0.60%+0.05 pts

This read was prepared for Newfield National 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 Newfield National 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 $300M to $1B
Institution www.newfieldnationalbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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.
← Back to the catalogue