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.
FDIC Call Report plate
Cert 12013 · NJ C · 55/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-UNK · ROA-LOSS · SIZE-REGIONAL · BOOK-RICH
- GRADE-C C (55/100)
- BOTTOM-DECILE #4009/4307
- PHOTO-FINISH Bank Cmg · WI
- TIER1-WELL 23.4% Tier 1
- TEXAS-UNK Texas blank
- ROA-LOSS -1.43% ROA
- SIZE-REGIONAL $1–10B
- BOOK-RICH 8/9 fields
Nearest health peer outside New Jersey: Bank Cmg, WI (±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 Union County Savings Bank
Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.
What Union County Savings Bank's Call Report plate shows
Union County Savings Bank (FDIC Cert #12013) carries a PlainBankData health grade of C at 55/100, 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 #4,009 of 4,307. Tier 1 capital prints at 23.37%, clearing the 10% well-capitalized line. Return on assets is -1.43%. Balance-sheet scale is $1.5B, 750th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank Cmg (WI), 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 Union County Savings Bank
8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)
Union County Savings 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; Union County Savings 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 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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
55 7th percentile higher than 7% of 4,307 FDIC-insured banks
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
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 ratios for Union County Savings Bank
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: Union County Savings Bank
Return on Assets (ROA)
1st percentile nationally
-1.43%
Return on Equity (ROE)
0.00%
Efficiency Ratio
0.00%
Income & expense: loss period at Union County Savings Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($1.5B here), outside New Jersey so the neighborhood is not state containment.
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.
Union County Savings 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 →| 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% |