# BANK OF NEW JERSEY
FORT LEE, NJ · FDIC certificate 58175 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $939.9M | |
| Deposits | $778.8M | |
| Loans and leases | $780.9M | |
| Total equity | $97.2M | |
| Loans / deposits | 99.13% (p85 of band) | 85.34% |
| Liquid assets / assets | 13.98% (p17 of band) | |
| Uninsured deposits / deposits | 26.58% (p64 of band) | 22.41% |
| Brokered deposits | 1.72% | |
| Wholesale funding | 6.65% (p63 of band) | |
| FHLB advances / assets | 4.93% | |
| Tier 1 leverage | 10.18% (p40 of band) | 10.60% |
| Unrealized securities loss / equity | -0.02% (p17 of band) | 0.73% |
| AOCI / equity | 0.41% (p19 of band) | |
| ROA (annualized) | 0.39% (p7 of band) | 1.13% |
| Net interest margin | 2.89% (p10 of band) | 3.74% |
| Efficiency ratio | 77.42% (p83 of band) | |
| Noncurrent loans | 2.32% (p93 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 48.83% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 53.48% (p64 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | reserve under noncurrent, construction >100% equity |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 1 |  | reserve under noncurrent |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 3 | noncurrent p90 |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | capital falling | construction >100% equity |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 2 | noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [From podium to pantry: Picatinny Toastmasters tackle food insecurity with community service - army.mil](https://news.google.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?oc=5) · army.mil
- 2026-07-14 [Fulton Financial Corp. completes merger with NJ bank - Lehigh Valley Business](https://news.google.com/rss/articles/CBMid0FVX3lxTFAzLTNQVTMxNFRPNnR3cXJFeXlaZ1FmSVJ5QzRkNVlyOXBFSFBQUzg2N2RRSmg3bEc0OG16eFVJZWUwSDBzTHctYVRXZDNoTXFSN05YazV0QndmT0J1Q2QtMDhTODVMUU1hckhZZGZtTTkzaVRXTHdZ?oc=5) · Lehigh Valley Business
- 2025-12-10 [New Jersey food banks are seeing an increased demand for help - WHYY](https://news.google.com/rss/articles/CBMicEFVX3lxTFBQUW02WWhCaHFXOFQ4ZFZDWHFBWDBEanhQMTgwZzk4RFRrRU1kNzluVzhYMXpxc19maXJQaXAyNVZCU1EzQ0xCci1VZHQ3N1lMQl9LNWhxa3RkakxPMXB2UE9Yd1NweXhaS0RXZl8xM1g?oc=5) · WHYY
- 2026-06-08 [Truist names Stampone as regional president for Pennsylvania and New Jersey - ROI-NJ](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRHJycmZnY29PTF9Rc3M1MlhpOFBSUkJCRXBfeDhJQU1JdUVjNFcwcVZHYTBMeXg2UFJOSjVheHlKcVVMaEVPOU14U0xyNXd4cm0wdXYtWHg5TVZmenpEOVpUel9UVWIyaGYxMWVwODVQblV3b0lGcVRqMGhiSXZXanhlUnUzTWdOb2NsT3ZPdVZOMmZSa1dXSE1YOGVzWlNFbDA3dnk5eEczMlJyRVZ0WXpQN3p0azVvMVE?oc=5) · ROI-NJ
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-03 [Murphy scrambles national guard to help NJ food banks - NJ Spotlight News](https://news.google.com/rss/articles/CBMimgFBVV95cUxORHlWY3hxRnIzdXVxbGRweHh6SURhbXBiT202dFpiS1N4Q0Z3UGJaSW5lLTJycTdwY080aXZrenRKREFLVWtrNmVLSHhMWjZUVEZIempkNWhfa1dqMDZZUS1sSElablBNamFBUkZpSUw5ZmJCTWVnMWFqc0ZKZzNqYzRKQ3ZlWkIwTnNTOXliZ1ZtbFhrcERoaHBn?oc=5) · NJ Spotlight News
- 2026-07-24 [CREDA NJ hosts annual Community Action Food Drive & Volunteer Day - Real Estate NJ](https://news.google.com/rss/articles/CBMiigFBVV95cUxNQ1p1QlJGb1QyYVFDOG1XcFc1d3RFem9VZzlaWHRWZ2NLbWdCd1RWaEUydkFfVzJhYnZsb0lObjZLVThScVBUVFdwWmhKMjMwUUM0TmszeUYyZFBqazUwMmZLVDJWeU5FazZqTWEtVjVfWm5WVWNVQkxzbTVNSmoyOWtGalBtbnNVWWc?oc=5) · Real Estate NJ
- 2025-02-28 [Failed Bank Information for City National Bank of New Jersey, Newark, NJ - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWGFidU5LcG1CWS1SbG1LeDNrMmZydUJmWlUtVnA3UE0wZVY4S3J4OFFSb0ZDbjhvNVEwTE5xMG5oUW5ZYUFvbHRiNUxyQ1FkME5kbWNZamx6Nm1lMDQ5Z0RabEdaWmJpQTRrOWRVd1JNQXZINnZHbWRFbG1qR3VmZmlKVFNsRWRJaFBXcERDTzk?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58175 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "58175", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide