Total Assets
$404M
Total balance-sheet footings
FDIC Cert #34058 · Newark, New Jersey · Est. 1995
Lusitania Savings Bank - FDIC Bank Health Profile
A community-scale look at Lusitania Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $404M
- Total assets
- B
- Health grade · Good
- 0.37%
- Return on assets
- 35.1%
- Tier 1 capital
Data updated July 2026
The verdict
Lusitania Savings Bank earns a PlainBankData health grade of B (71/100), with well-capitalized at 35.13% Tier 1, 0.37% ROA, 77% efficiency ratio.
- #2,073
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 35.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- 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.
How Lusitania Savings Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Lusitania Savings Bank's composite health score
Tier 1 Capital Ratio (35.13%) 40/40
Return on Assets (ROA) (0.37%) 7/25
Texas Ratio (0.69%) 20/20
Efficiency Ratio (77.40%) 4/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$340M
Customer-funded liabilities
Net Loans
$223M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Lusitania Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Lusitania Savings Bank's score of 71/100 falls in the highlighted band.
Lusitania Savings 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). Lusitania Savings Bank's $404M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
35.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
35.13%
Texas Ratio
0.69%
Equity Capital
$59M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.37%
Return on Equity (ROE)
2.49%
Efficiency Ratio
77.40%
What the numbers say about Lusitania Savings Bank
Lusitania Savings Bank is an FDIC-insured institution (Certificate #34058) headquartered in Newark, New Jersey, established in 1995. It holds $404M in total assets - 2,073rd of 4,313 FDIC-insured banks, $340M in customer deposits, and $223M in net loans. Capital-wise, the Tier 1 ratio sits at 35.13%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.69%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (71 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Lusitania Savings Bank sits 39th of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$569K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Lusitania Savings Bank reports a Texas Ratio of 0.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Lusitania Savings Bank (FDIC Cert #34058) - 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% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| 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% |
Frequently asked questions
What is Lusitania Savings Bank's health grade?▼
Lusitania Savings Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Lusitania Savings Bank?▼
Lusitania Savings Bank holds $404M in total assets and $340M in deposits, ranking 2,073rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Newark, New Jersey.
Is my money safe at Lusitania Savings Bank?▼
Yes, deposits at Lusitania Savings Bank (Certificate #34058) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Lusitania Savings Bank's Tier 1 Capital Ratio?▼
Lusitania Savings Bank has a Tier 1 Capital Ratio of 35.13%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Lusitania Savings Bank?▼
Lusitania Savings Bank has a Texas Ratio of 0.69%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Lusitania Savings Bank?▼
Lusitania Savings Bank has an Efficiency Ratio of 77.40%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Lusitania Savings Bank's profile as a depositor or analyst.
- Lusitania Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Lusitania Savings 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.