Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #12013 · Elizabeth, New Jersey · Est. 1883
Union County Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.5B
- Total assets
- C
- Health grade · Fair
- -1.43%
- Return on assets
- 23.4%
- Tier 1 capital
Data updated July 2026
The verdict
Union County Savings Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 23.37% Tier 1, -1.43% ROA, efficient (0% cost ratio).
- #750
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 23.37%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Union County Savings Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Union County Savings Bank's composite health score
Tier 1 Capital Ratio (23.37%) 40/40
Return on Assets (ROA) (-1.43%) 0/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (0.00%) 15/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$279M
Outstanding loan book
Net Income
$-22,141K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Union County Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union County Savings Bank's score of 55/100 falls in the highlighted band.
Union County 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). Union County Savings Bank's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.37%
Texas Ratio
-
Equity Capital
$-7,010K
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.43%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%
What the numbers say about Union County Savings Bank
Union County Savings Bank is an FDIC-insured institution (Certificate #12013) headquartered in Elizabeth, New Jersey, established in 1883. It holds $1.5B in total assets - 750th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $279M in net loans. Looking at capital strength, Tier 1 stands at 23.37%, over the 10% well-capitalized line regulators set. It earns a PlainBankData health grade of C (55/100), 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.
Within New Jersey, Union County Savings Bank ranks 21st of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$50M
Interest Income
$313K
Non-Interest Income
$16M
Non-Interest Expense
What to watch at Union County Savings Bank
Union County Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-22,141K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Union County Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union County Savings Bank (FDIC Cert #12013) - 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 Union County Savings Bank's health grade?▼
Union County Savings Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Union County Savings Bank?▼
Union County Savings Bank holds $1.5B in total assets and $1.4B in deposits, ranking 750th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elizabeth, New Jersey.
Is my money safe at Union County Savings Bank?▼
Yes, deposits at Union County Savings Bank (Certificate #12013) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Union County Savings Bank's Tier 1 Capital Ratio?▼
Union County Savings Bank has a Tier 1 Capital Ratio of 23.37%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Union County Savings Bank?▼
Union County Savings Bank has an Efficiency Ratio of 0.00%. 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 Union County Savings Bank's profile as a depositor or analyst.
- Union County Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Union County 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.