Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors:
Excellent liquidity 9.3, driven by a liquidity ratio of 169.9 percent and a “hot money” ratio of 5.7 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 50.5.
Asset Mix:
Cash (90%), securities (6%), other (4%)
States with Branches:
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
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1-Year Asset Growth
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Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
--
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
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Address
725 Bloomfield Avenue
Verona, NJ 07044
Verona, NJ 07044
Phone Number
(973) 232-5800
Year Founded
2026
FDIC Number
Website
Largest Affiliates
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