State directory · NJ

New Jersey Banks

Every FDIC-insured bank headquartered in New Jersey, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
51
FDIC banks
71/100
Avg health score
$204.5B
Total assets
8
Failures since 2000

Data updated July 2026

The state picture

New Jersey's 51 FDIC banks hold $204.5B in assets and average 71/100 on health - 67% earn an A or B grade.

51
FDIC-insured banks
67%
grade A or B (34 banks)
$64.1B
largest - Valley National Bank
8
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: New Jersey's average health score of 71/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
15
29% of banks
B
19
37% of banks
C
14
27% of banks
D
2
4% of banks
F
1
2% of banks

Largest banks in New Jersey

Top 10 New Jersey banks by total assets
  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

  6. 6
    Cross River Bank $8.1B

    Fort Lee, NJ · Grade C

  7. 7
    Kearny Bank $7.6B

    Kearny, NJ · Grade C

  8. 8
    Peapack Private Bank & Trust $7.5B

    Bedminster, NJ · Grade C

  9. 9
    Spencer Savings Bank, SLA $4.0B

    Elmwood Park, NJ · Grade B

  10. 10
    First Bank $4.0B

    Hamilton, NJ · Grade A

Top 10 of 51 New Jersey banks · FDIC Call Report Q4 2025.

New Jersey banks by health grade

0 3 6 9 12 15 18 21 A B C D F 15 19 14 2 1

How New Jersey compares nationally

New Jersey ranks #44 of 55 states and territories by average bank health score - better than 20% of them.

States grouped by average health score

All 51 New Jersey banks

Bank Assets Grade
Valley National Bank $64.1B B
Provident Bank $24.9B A
OceanFirst Bank, National Association $14.5B B
ConnectOne Bank $14.0B A
Columbia Bank $11.0B B
Cross River Bank $8.1B C
Kearny Bank $7.6B C
Peapack Private Bank & Trust $7.5B C
Spencer Savings Bank, SLA $4.0B B
First Bank $4.0B A
Sumitomo Mitsui Trust Bank (U.S.A.) Limited $3.8B A
Manasquan Bank $3.4B B
BCB Community Bank $3.3B D
Unity Bank $3.0B A
Amboy Bank $2.8B A
The Bank of Princeton $2.3B B
Parke Bank $2.2B A
Blue Foundry Bank $2.2B C
Bessemer Trust Company $1.9B A
First Commerce Bank $1.8B C
Union County Savings Bank $1.5B C
Somerset Regal Bank $1.1B B
Sturdy Savings Bank $1.1B B
Magyar Bank $1.0B A
Haven Savings Bank $1.0B C
New Millennium Bank $953M A
Bogota Savings Bank $903M C
Cenlar FSB $899M A
Newfield National Bank $891M B
1st Colonial Community Bank $882M A
Freedom Bank $812M B
Hana Bank USA, National Association $800M A
First Hope Bank, A National Banking Association $667M B
Century Savings Bank $650M B
Crown Bank $629M A
Crest Savings Bank $589M C
The First National Bank of Elmer $409M B
Haddon Savings Bank $407M C
Lusitania Savings Bank $404M B
Ascendia Bank $378M C
United Roosevelt Savings Bank $368M C
Franklin Bank $334M B
1st Bank of Sea Isle City $301M B
The Pennsville National Bank $288M A
The First National Bank of Absecon $197M B
Millville Savings Bank $167M B
GSL Savings Bank $149M D
Schuyler Savings Bank $147M C
Monroe Savings Bank $114M B
Five Rivers Bank $34M C
Liberty Bank of New Jersey -

How to read the New Jersey bank directory

This page lists every FDIC-insured bank with a primary regulatory address in New Jersey. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 51 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across New Jersey, 34 institutions (67%) sit in the A or B band, while 3 (6%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 8 banks headquartered in New Jersey have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the New Jersey directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.