FDIC Cert #58410 · Fort Lee, New Jersey · Est. 2008

Cross River Bank - FDIC Bank Health Profile

A community-scale look at Cross River Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$8.1B
Total assets
C
Health grade · Fair
0.29%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

Cross River Bank earns a PlainBankData health grade of C (52/100), with well-capitalized at 13.49% Tier 1, 0.29% ROA, 83% efficiency ratio.

#196
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
13.49%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 58410 · NJ C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4071/4307
  • PHOTO-FINISH Quontic Bank · NY
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-HEALTHY 21.6% Texas
  • ROA-THIN 0.29% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Quontic Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cross River Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cross River Bank · NJ · this…52/100First Federal Bank &… · WY ·…52/100High Country Bank · CO · near52/100Quontic Bank · NY · near52/100The Peoples Savings… · OH · …52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cross River Bank · July 2026

What Cross River Bank's Call Report plate shows

Cross River Bank (FDIC Cert #58410) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,071 of 4,307. Tier 1 capital prints at 13.49%, clearing the 10% well-capitalized line. The Texas Ratio is 21.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.29%. Balance-sheet scale is $8.1B, 196th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Quontic Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cross River Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Cross River Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Cross River Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Cross River Bank's 52/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10052/100
Cross River Bank's composite health score
Tier 1 Capital Ratio (13.49%) 35/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (21.62%) 10/20
Efficiency Ratio (82.80%) 0/15

52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$8.1B

Total balance-sheet footings

Total Deposits

$6.2B

Customer-funded liabilities

Net Loans

$5.2B

Outstanding loan book

Net Income

$24M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.09% 13.49% 14.89%
Basel III capital ratios - Cross River Bank

Where Cross River Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cross River Bank's score of 52/100 falls in the highlighted band.

Cross River Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cross River Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cross River 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). Cross River Bank's $8.1B falls in the highlighted band.

Safety ratios for Cross River Bank

Tier 1 capital ratio
Well-capitalized 10%

13.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.49%
Texas Ratio
21.62%
Equity Capital
$1.1B

What these ratios mean →

Profitability metrics: Cross River Bank

Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
2.30%
Efficiency Ratio
82.80%

What these mean →

Income & expense at Cross River Bank

$677M
Interest Income
$85M
Non-Interest Income
$428M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cross River Bank reports a Texas Ratio of 21.62% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cross River Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($8.1B here), outside New Jersey so the neighborhood is not state containment.

RBC Bank, (Georgia) $8.0B · GA BankPlus $8.1B · MS First American Bank $8.1B · IL Forbright Bank $7.9B · MD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cross River Bank (FDIC Cert #58410) - 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.

Cross River Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
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%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
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%