The catalogue › United States › Mid-Atlantic › New Jersey
The state note · prepared 3 November 2026

New Jersey

50 banks and 126 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

50 banks filing · read from the 30 June 2026 Call Report
50
banks filing
$219B in assets
+3.9%
Loans, year over year
median; 10 above 10%, 13 shrinking
37.7%
CRE / loans
median
93.1%
Loans / deposits
median
0.33%
NPA / loans
median
11.3%
Equity / assets
median

New Jersey's 50 banks hold $219B in assets at 30 June 2026. Valley National Bank is the largest at $66.2B, and the five largest hold 65% of the total; 24 institutions are above $1B, holding $206B.

Loans grew a median +3.9% in the year to 30 June 2026: 10 institutions grew faster than 10% and 13 shrank. The median bank lends 93% of its deposits and holds commercial real estate at 37.7% of loans. Nonperforming loans sit at a median 0.33% of the book, return on assets at 0.67%, and equity at 11.3% of assets.

17 of the 50 are in the catalogue, each read from its own filing beside the banks its size in the state: Valley National Bank, Provident Bank, Connectone Bank, Columbia Bank, Cross River Bank, Peapack Private Bank & Trust, Kearny Bank, Bessemer Trust Co., Parke Bank, Bank of Princeton, Haven Savings Bank, New Millennium Bank, Newfield National Bank, Bogota Savings Bank, Freedom Bank, Hana Bank USA National Association, Cenlar FSB.

Who holds the state's assetseach institution's share of the $219B the state's 50 hold; the largest first, amber in the catalogue
Valley National Bank: 30.2%VN30%Provident Bank: 11.7%PB12%Oceanfirst Bank N.A.: 10.6%OB11%Connectone Bank: 6.6%CBColumbia Bank: 5.6%CBCross River Bank: 3.9%CRPeapack Private Bank & Trust: 3.6%PPKearny Bank: 3.5%KBFirst Bank: 1.9%Spencer Savings Bank Sla: 1.8%40 others 21%VNValley National Bank30.2%PBProvident Bank11.7%OBOceanfirst Bank N.A.10.6%CBConnectone Bank6.6%CBColumbia Bank5.6%CRCross River Bank3.9%PPPeapack Private Bank …3.6%KBKearny Bank3.5%FBFirst Bank1.9%SSSpencer Savings Bank …1.8%

Valley National Bank holds 30.2% of the state's bank assets; the five largest hold 65%, and 24 of the 50 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestValley National Bank: 30% of the totalThe five largest65% of the totalThe ten largest79% of the totalGINI0.70 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 65% of the assets in 10% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Nonfarm nonresidential, non-owner-occupied24.4%$39.8BMultifamily19.1%$31.2B1-4 family residential, closed-end17.6%$28.8BNonfarm nonresidential, owner-occupied12.8%$21.0BCommercial & industrial11.0%$17.9BConstruction & land4.9%$8.0BOther loans and leases4.5%$7.4BConsumer, other3.0%$4.9BHome equity lines1.4%$2.3BAuto1.2%$2.0BStates & municipalities0.1%$132MFarmland0.0%$40MAgricultural production0.0%$9MCredit card0.0%$3M

Nonfarm nonresidential, non-owner-occupied is the largest category at 24.4% of the state's $163B in loans, then Multifamily at 19.1% and 1-4 family residential, closed-end at 17.6%.

Loans, year over yearNew Jersey banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 48 · amber, in the catalogue
state median +3.9% OB Oceanfirst Bank N.A. +59.5% UR United Roosevelt Savings Bank +21.8% PN Pennsville National Bank +19.0% MS Millville Savings Bank +18.9% PP Peapack Private Bank & Trust +14.7% FC First Commerce Bank +13.5% SR Somerset Regal Bank +13.1% SS Schuyler Savings Bank +13.0% UB Unity Bank +12.6% HS Haddon Savings Bank +11.2% HB Hana Bank USA National Association +9.6% FB Freedom Bank +8.2% UC Union County Savings Bank +8.1% MB Manasquan Bank +6.9% CB Connectone Bank +6.3% VN Valley National Bank +6.2% FH First Hope Bank A National Bank A… +6.0% MB Magyar Bank +5.2% PB Parke Bank +5.0% PB Provident Bank +4.9% AB Amboy Bank +4.8% CR Cross River Bank +4.5% CS Century Savings Bank +4.1% FN First National Bank of Elmer +4.0% CB Columbia Bank +3.8%

Oceanfirst Bank N.A. grew fastest at +59.5%; 10 grew faster than 10% and 13 shrank, Sumitomo Mitsui Trust Bank U Sa the most at -21.8%. The median is +3.9%.

Commercial real estate, share of loansNew Jersey banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 50 · amber, in the catalogue
state median 37.7% LB Liberty Bank of New Jersey 100.0% AB Amboy Bank 78.1% FR Five Rivers Bank 75.9% SS Spencer Savings Bank Sla 69.4% FB Freedom Bank 68.2% KB Kearny Bank 62.6% HB Hana Bank USA National Association 62.0% FC First Commerce Bank 61.6% CB Crown Bank 61.1% Bo Bank of Princeton 60.6% CB Connectone Bank 60.0% PB Provident Bank 58.7% BC BCB Community Bank 57.6% BF Blue Foundry Bank 53.8% OB Oceanfirst Bank N.A. 53.0% FB First Bank 48.3% CB Columbia Bank 48.2% HS Haven Savings Bank 47.4% PP Peapack Private Bank & Trust 47.1% PB Parke Bank 44.8% VN Valley National Bank 43.2% MB Manasquan Bank 41.6% MB Magyar Bank 39.7% SR Somerset Regal Bank 38.1% FH First Hope Bank A National Bank A… 38.0%

Liberty Bank of New Jersey is the most CRE-weighted at 100.0% of loans; 22 of the 50 are above 40%, against a median of 37.7%.

Commercial real estate against capital, the 300% screenNew Jersey banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 50 · amber, in the catalogue
state median 211% 300% screen FB Freedom Bank 575% KB Kearny Bank 514% SS Spencer Savings Bank Sla 476% FC First Commerce Bank 459% BC BCB Community Bank 454% CB Connectone Bank 439% PB Provident Bank 422% PP Peapack Private Bank & Trust 406% HS Haven Savings Bank 398% AB Amboy Bank 396% OB Oceanfirst Bank N.A. 384% Bo Bank of Princeton 382% CB Columbia Bank 350% FB First Bank 339% MB Manasquan Bank 339% VN Valley National Bank 320% AB Ascendia Bank 304% BF Blue Foundry Bank 298% GS GSL Savings Bank 274% MB Magyar Bank 269% PB Parke Bank 254% FN First National Bank of Elmer 237% UB Unity Bank 237% FH First Hope Bank A National Bank A… 229% SR Somerset Regal Bank 225%

17 of the 50 banks sit above the 300% screen, Freedom Bank the highest at 575% of capital; the median is 211%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenNew Jersey banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 50 · amber, in the catalogue
state median 22% 100% screen FB Freedom Bank 102% AB Amboy Bank 79% HS Haddon Savings Bank 76% Bo Bank of Princeton 71% MB Manasquan Bank 66% UB Unity Bank 65% PB Parke Bank 61% AB Ascendia Bank 58% FC First Commerce Bank 55% sB 1st Bank of Sea Isle City 53% CB Connectone Bank 53% CB Columbia Bank 43% CB Crown Bank 41% FB Franklin Bank 40% FB First Bank 37% KB Kearny Bank 37% FN First National Bank of Elmer 36% VN Valley National Bank 35% OB Oceanfirst Bank N.A. 33% CS Century Savings Bank 31% NN Newfield National Bank 30% FH First Hope Bank A National Bank A… 27% BF Blue Foundry Bank 26% PB Provident Bank 26% SS Sturdy Savings Bank 23%

1 of the 50 bank sits above the 100% construction screen, Freedom Bank the highest at 102%; the median is 22%.

Loans to depositsNew Jersey banks, 30 June 2026 · listed highest first · the 25 highest of 50 · amber, in the catalogue
state median 93% BF Blue Foundry Bank 136% CB Crown Bank 122% PB Parke Bank 115% BS Bogota Savings Bank 111% UB Unity Bank 109% SS Schuyler Savings Bank 108% FC First Commerce Bank 108% SS Spencer Savings Bank Sla 108% UR United Roosevelt Savings Bank 105% FB Freedom Bank 104% MB Magyar Bank 103% NM New Millennium Bank 103% KB Kearny Bank 103% PB Provident Bank 102% FB First Bank 101% AB Ascendia Bank 101% CB Connectone Bank 101% BC BCB Community Bank 100% MS Monroe Savings Bank 100% GS GSL Savings Bank 99% SR Somerset Regal Bank 98% VN Valley National Bank 97% MB Manasquan Bank 96% sB 1st Bank of Sea Isle City 95% PP Peapack Private Bank & Trust 95%

18 of the 50 lend more than they hold in deposits, Blue Foundry Bank the furthest at 136%; the median is 93%.

Nonperforming loans, share of loansNew Jersey banks, 30 June 2026 · listed highest first · the 25 highest of 50 · amber, in the catalogue
state median 0.33% CB Crown Bank 5.77% BS Bogota Savings Bank 4.30% BC BCB Community Bank 2.85% CR Cross River Bank 2.79% PN Pennsville National Bank 1.41% UB Unity Bank 1.23% FN First National Bank of Elmer 1.14% PP Peapack Private Bank & Trust 1.07% Bo Bank of Princeton 0.92% VN Valley National Bank 0.91% UC Union County Savings Bank 0.91% FB First Bank 0.86% BF Blue Foundry Bank 0.82% KB Kearny Bank 0.81% FC First Commerce Bank 0.72% CB Connectone Bank 0.68% OB Oceanfirst Bank N.A. 0.66% MB Manasquan Bank 0.64% NM New Millennium Bank 0.58% SS Spencer Savings Bank Sla 0.58% PB Provident Bank 0.55% MS Monroe Savings Bank 0.52% CB Columbia Bank 0.51% HS Haven Savings Bank 0.40% SS Schuyler Savings Bank 0.36%

Crown Bank carries the most nonperforming loans at 5.77% of the book; 8 of the 50 are above 1%, and the median is 0.33%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%1.60%NPA / loansAllowance / loansMSMillville Savings Bank+1.65%CSCentury Savings Bank+1.50%PBParke Bank+1.44%ABAmboy Bank+1.36%NNNewfield National Bank+1.31%FHFirst Hope Bank A National Bank A…+1.30%FRFive Rivers Bank+1.17%LBLiberty Bank of New Jersey+1.00%LSLusitania Savings Bank+0.97%MBMagyar Bank+0.92%NMNew Millennium Bank+0.85%HBHana Bank USA National Association+0.84%FNFirst National Bank of Absecon+0.83%URUnited Roosevelt Savings Bank+0.74%FBFranklin Bank+0.66%SRSomerset Regal Bank+0.65%CSCrest Savings Bank+0.65%OBOceanfirst Bank N.A.+0.62%sB1st Bank of Sea Isle City+0.57%FBFirst Bank+0.52%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 9 of the 50 hold an allowance smaller than their nonperforming loans.

Return on assetsNew Jersey banks, 30 June 2026 · listed highest first · the 25 highest of 50 · amber, in the catalogue
state median 0.67% HB Hana Bank USA National Association 2.79% AB Amboy Bank 2.55% CB Crown Bank 2.35% PB Parke Bank 2.18% UB Unity Bank 2.02% BT Bessemer Trust Co. 1.98% SM Sumitomo Mitsui Trust Bank U Sa 1.72% PN Pennsville National Bank 1.46% NM New Millennium Bank 1.35% PB Provident Bank 1.34% Bo Bank of Princeton 1.24% CB Connectone Bank 1.23% MB Magyar Bank 1.21% VN Valley National Bank 1.06% FC First Commerce Bank 0.94% FB First Bank 0.93% FB Freedom Bank 0.88% PP Peapack Private Bank & Trust 0.82% FN First National Bank of Absecon 0.80% FH First Hope Bank A National Bank A… 0.77% FN First National Bank of Elmer 0.74% SS Sturdy Savings Bank 0.73% NN Newfield National Bank 0.70% MS Monroe Savings Bank 0.68% FB Franklin Bank 0.67%

Hana Bank USA National Association earns the most at 2.79% and Five Rivers Bank the least at -8.45%; 21 of the 50 earn under 0.50%, and the median is 0.67%.

The efficiency ratio, with the return beside itNew Jersey banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 49 · amber, in the catalogue
state median 72.5% PB Parke Bank 29.6% ROA 2.18% AB Amboy Bank 34.2% ROA 2.55% UB Unity Bank 41.3% ROA 2.02% CB Crown Bank 44.9% ROA 2.35% CB Connectone Bank 46.1% ROA 1.23% PB Provident Bank 49.3% ROA 1.34% NM New Millennium Bank 49.5% ROA 1.35% SM Sumitomo Mitsui Trust Bank U Sa 51.7% ROA 1.72% MB Magyar Bank 52.0% ROA 1.21% CS Century Savings Bank 53.3% ROA 0.51% PN Pennsville National Bank 55.2% ROA 1.46% VN Valley National Bank 55.2% ROA 1.06% HB Hana Bank USA National Association 55.5% ROA 2.79% FB First Bank 56.0% ROA 0.93% MB Manasquan Bank 59.8% ROA 0.67% Bo Bank of Princeton 60.4% ROA 1.24% FC First Commerce Bank 63.1% ROA 0.94% FB Freedom Bank 63.1% ROA 0.88% PP Peapack Private Bank & Trust 64.2% ROA 0.82% CB Columbia Bank 65.8% ROA 0.52% SS Spencer Savings Bank Sla 66.8% ROA 0.63% BT Bessemer Trust Co. 70.3% ROA 1.98% KB Kearny Bank 71.9% ROA 0.46% SS Sturdy Savings Bank 72.1% ROA 0.73% MS Monroe Savings Bank 72.5% ROA 0.68%

Parke Bank runs the leanest at 29.6% of revenue in cost; 16 of the 50 spend more than 80 cents of every revenue dollar, and the median is 72.5%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Valley National Bank$66.2B+6.2%43.2%97%0.91%1.06%12.7%
Provident Bank$25.7B+4.9%58.7%102%0.55%1.34%12.6%
Oceanfirst Bank N.A.$23.2B+59.5%53.0%91%0.66%0.35%11.7%
Connectone Bank$14.4B+6.3%60.0%101%0.68%1.23%12.3%
Columbia Bank$12.2B+3.8%48.2%89%0.51%0.52%9.4%
Cross River Bank$8.5B+4.5%13.9%89%2.79%0.12%12.1%
Peapack Private Bank & Trust$8.0B+14.7%47.1%95%1.07%0.82%8.8%
Kearny Bank$7.7B+1.1%62.6%103%0.81%0.46%9.4%
First Bank$4.1B+1.3%48.3%101%0.86%0.93%11.1%
Spencer Savings Bank Sla$4.0B+3.3%69.4%108%0.58%0.63%11.9%
Sumitomo Mitsui Trust Bank U Sa$3.9B-21.8%0.0%0%0.00%1.72%13.9%
Manasquan Bank$3.6B+6.9%41.6%96%0.64%0.67%9.3%
Unity Bank$3.2B+12.6%35.7%109%1.23%2.02%11.7%
Amboy Bank$3.1B+4.8%78.1%74%0.30%2.55%11.6%
BCB Community Bank$3.1B-9.2%57.6%100%2.85%-0.50%10.7%
Five years, 2021 to 2026the 48 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$111B$163B+47%
Deposits, in total$117B$176B+50%
NPA / loans, median0.53%0.38%-0.15 pts
Efficiency, median70.0%72.1%+2.1 pts
ROA, median0.68%0.68%-0.00 pts

Small-business lending

SBA 7(a) approvals into New Jersey since FY2008, across every lender type

$13.6B of 7(a) credit has been approved into New Jersey since FY2008 across 32,142 loans. Accommodation & food services is the largest category at 19.3%, Retail trade at 16.1%, Health care & social assistance at 10.4%; the three together are 46% of the money. The heaviest losses fall in Transportation & warehousing, at 3.63% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 308 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
TB TD Bank, National Association 8.1% $1.1B · 7,181 loans FB Fulton Bank, National Association 6.7% $910M · 1,058 loans LO Live Oak Banking Company 4.4% $603M · 496 loans PB Provident Bank 4.3% $587M · 843 loans WF Wells Fargo Bank National Associa… 2.7% $367M · 1,449 loans UB Unity Bank 2.5% $335M · 419 loans WS Wilmington Savings Fund Society F… 2.2% $305M · 391 loans N Newbank 2.2% $297M · 490 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $292M · 1,848 loans Newtek Small Business Finance, LLC 2.1% $280M · 398 loans BB Beacon Bank and Trust 2.1% $279M · 280 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services20.1%$2.6B · 4,314 loansRetail trade16.8%$2.2B · 4,567 loansHealth care & social assistance10.9%$1.4B · 2,779 loansOther services9.4%$1.2B · 3,543 loansManufacturing8.1%$1.1B · 1,706 loansWholesale trade7.5%$982M · 2,159 loansProfessional & technical services7.4%$969M · 3,224 loansConstruction6.3%$820M · 3,317 loansArts, entertainment & recreation4.8%$631M · 1,138 loansAdministrative & waste services3.2%$419M · 1,613 loansTransportation & warehousing3.0%$388M · 1,700 loansReal estate & leasing2.4%$309M · 569 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$2.6B4,31419.3%$66M2.53%
Retail trade$2.2B4,56716.1%$45M2.04%
Health care & social assistance$1.4B2,77910.4%$14M1.01%
Other services$1.2B3,5439.1%$28M2.29%
Manufacturing$1.1B1,7067.8%$20M1.88%
Wholesale trade$982M2,1597.2%$24M2.44%
Professional & technical services$969M3,2247.1%$19M1.93%
Construction$820M3,3176.0%$25M3.11%
Arts, entertainment & recreation$631M1,1384.6%$16M2.53%
Administrative & waste services$419M1,6133.1%$12M2.87%
Transportation & warehousing$388M1,7002.9%$14M3.63%
Real estate & leasing$309M5692.3%$3M1.02%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Bergen$1.8B4,893160
Middlesex$1.3B2,785148
Monmouth$1.1B2,656159
Essex$927M2,413138
Morris$891M1,989126
Union$872M1,955139
Camden$860M1,796127
Ocean$852M2,254117
Burlington$755M1,576126
Hudson$644M1,906122

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any New Jersey institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in New Jersey

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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