Total Assets
$14.0B
Total balance-sheet footings
FDIC Cert #57919 · Englewood Cliffs, New Jersey · Est. 2005
ConnectOne Bank - FDIC Bank Health Profile
A community-scale look at ConnectOne Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $14.0B
- Total assets
- A
- Health grade · Excellent
- 0.77%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
ConnectOne Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 12.36% Tier 1, 0.77% ROA, efficient (55% cost ratio).
- #133
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 12.36%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How ConnectOne Bank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
ConnectOne Bank's composite health score
Tier 1 Capital Ratio (12.36%) 35/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (3.40%) 20/20
Efficiency Ratio (54.90%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$11.3B
Customer-funded liabilities
Net Loans
$11.3B
Outstanding loan book
Net Income
$94M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where ConnectOne Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ConnectOne Bank's score of 81/100 falls in the highlighted band.
ConnectOne Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). ConnectOne Bank's $14.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.36%
Texas Ratio
3.40%
Equity Capital
$1.7B
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.77%
Return on Equity (ROE)
6.20%
Efficiency Ratio
54.90%
What the numbers say about ConnectOne Bank
ConnectOne Bank is an FDIC-insured institution (Certificate #57919) headquartered in Englewood Cliffs, New Jersey, established in 2005. It holds $14.0B in total assets - 133rd of 4,313 FDIC-insured banks, $11.3B in customer deposits, and $11.3B in net loans. On safety, its Tier 1 capital ratio of 12.36% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.40% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
ConnectOne Bank's asset base places it among the largest FDIC-insured institutions in the country, 133rd of 4,313 nationally, and 4th of 51 banks headquartered in New Jersey. Only OceanFirst Bank ($14.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$645M
Interest Income
$33M
Non-Interest Income
$228M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. ConnectOne Bank reports a Texas Ratio of 3.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
National size peers: banks closest to ConnectOne Bank by assets
ConnectOne Bank is closely matched in total assets by NexBank, Comenity Capital Bank, Israel Discount Bank of New York, Bell Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.86%, versus ConnectOne Bank's own 0.77%; the average efficiency ratio is 58.95%, versus 54.90% here; and average Tier 1 capital sits at 19.74%, versus 12.36% at ConnectOne Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $14.0B in assets, ConnectOne Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| ConnectOne Bank (this bank) | NJ | $14.0B | 0.77% | 54.90% | 12.36% |
| NexBank | TX | $13.9B | 1.17% | 41.69% | 14.62% |
| Comenity Capital Bank | UT | $13.6B | 1.60% | 57.26% | 13.46% |
| Israel Discount Bank of New York | NY | $14.4B | 0.54% | 71.49% | 13.84% |
| Bell Bank | ND | $14.4B | 0.59% | 77.28% | 11.49% |
| OceanFirst Bank, National Association | NJ | $14.5B | 0.61% | 68.55% | 11.54% |
| Beal Bank USA | NV | $14.5B | 0.63% | 37.43% | 53.51% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ConnectOne Bank (FDIC Cert #57919) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
| Spencer Savings Bank, SLAElmwood Park | $4.0B | B | 0.44% |
Frequently asked questions
What is ConnectOne Bank's health grade?▼
ConnectOne Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is ConnectOne Bank?▼
ConnectOne Bank holds $14.0B in total assets and $11.3B in deposits, ranking 133rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Englewood Cliffs, New Jersey.
Is my money safe at ConnectOne Bank?▼
Yes, deposits at ConnectOne Bank (Certificate #57919) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ConnectOne Bank's Tier 1 Capital Ratio?▼
ConnectOne Bank has a Tier 1 Capital Ratio of 12.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for ConnectOne Bank?▼
ConnectOne Bank has a Texas Ratio of 3.40%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is ConnectOne Bank?▼
ConnectOne Bank has an Efficiency Ratio of 54.90%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ConnectOne Bank's profile as a depositor or analyst.
- ConnectOne Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ConnectOne Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.