# CROSS RIVER BANK
FORT LEE, NJ · FDIC certificate 58410 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $8.53B | |
| Deposits | $6.68B | |
| Loans and leases | $5.95B | |
| Total equity | $1.03B | |
| Loans / deposits | 87.78% (p52 of band) | 87.10% |
| Liquid assets / assets | 24.90% (p64 of band) | |
| Uninsured deposits / deposits | 33.35% (p57 of band) | 30.76% |
| Brokered deposits | 33.03% | |
| Wholesale funding | 39.64% (p98 of band) | |
| FHLB advances / assets | 6.61% | |
| Tier 1 leverage | 11.78% (p74 of band) | 10.50% |
| Unrealized securities loss / equity | -2.05% (p80 of band) | -7.75% |
| AOCI / equity | 0.21% (p87 of band) | |
| ROA (annualized) | 0.12% (p3 of band) | 1.26% |
| Net interest margin | 5.10% (p96 of band) | 3.70% |
| Efficiency ratio | 82.92% (p95 of band) | |
| Noncurrent loans | 2.79% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 1.90% (p99 of band) | |
| Reserve coverage of noncurrent | 48.57% | |
| Real estate % of loans | 23% | |
| Construction % of loans | 19.81% (p17 of band) | |
| Auto loans | $5.7M (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.69B (164% of equity) (p100 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 938 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 0 |  | loans exceed deposits |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 3 | wholesale funding >15%, capital falling |  |
| 2015-06 | 3 | liquid assets <10% | capital falling |
| 2015-09 | 2 | charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2015-12 | 2 | capital falling | wholesale funding >15% |
| 2016-03 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-06 | 4 | uninsured deposits >50%, run vulnerability | liquid assets <10% |
| 2016-09 | 3 |  | loans exceed deposits |
| 2016-12 | 4 | loans exceed deposits |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 2 |  | run vulnerability, loans exceed deposits |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 4 | loans exceed deposits, run vulnerability |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 | uninsured deposits leaving | loans exceed deposits, run vulnerability |
| 2019-03 | 3 | loans exceed deposits | uninsured deposits >50% |
| 2019-06 | 2 | uninsured deposits >50% | uninsured deposits leaving, loans exceed deposits |
| 2019-09 | 4 | loans exceed deposits, wholesale funding >15%, capital falling | uninsured deposits >50% |
| 2019-12 | 4 | brokered >10% | capital falling |
| 2020-03 | 3 | losing money | loans exceed deposits, brokered >10% |
| 2020-06 | 7 | loans exceed deposits, uninsured deposits >50%, brokered >10%, capital falling, run vulnerability | losing money |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 | liquid assets <10% | capital falling |
| 2021-03 | 5 |  | uninsured deposits >50%, run vulnerability |
| 2021-06 | 5 | uninsured deposits leaving | brokered >10% |
| 2021-09 | 6 | uninsured deposits >50%, brokered >10%, run vulnerability | charge-offs p90, uninsured deposits leaving |
| 2021-12 | 9 | charge-offs p90, reserve under noncurrent, assets shrinking |  |
| 2022-03 | 9 | noncurrent p90 | liquid assets <10% |
| 2022-06 | 11 | liquid assets <10%, capital falling |  |
| 2022-09 | 9 |  | liquid assets <10%, capital falling |
| 2022-12 | 7 | loans-to-lenders >50% equity | uninsured deposits >50%, run vulnerability, assets shrinking |
| 2023-03 | 8 | capital falling, uninsured deposits leaving | charge-offs p90 |
| 2023-06 | 8 | charge-offs p90 | loans exceed deposits |
| 2023-09 | 11 | losing money, expense ratio p90, assets shrinking |  |
| 2023-12 | 10 |  | assets shrinking |
| 2024-03 | 7 |  | uninsured deposits leaving, losing money, expense ratio p90 |
| 2024-06 | 8 | expense ratio p90 |  |
| 2024-09 | 7 |  | capital falling |
| 2024-12 | 9 | deposits shrinking, assets shrinking |  |
| 2025-03 | 6 |  | expense ratio p90, deposits shrinking, assets shrinking |
| 2025-06 | 9 | capital falling, deposits shrinking, assets shrinking |  |
| 2025-09 | 6 |  | capital falling, deposits shrinking, assets shrinking |
| 2025-12 | 7 | expense ratio p90 |  |
| 2026-03 | 7 |  |  |
| 2026-06 | 8 | capital falling |  |

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

- 2026-07-29 [Cross River Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBwUU85N3ZEN1dVTWxjWGVHa09WZjVkcThyYUtha2pBUjZpQTNwOHZiWndwNlVObTVPb0RnbkdGYzNiY19SSFpQZm5DT3hmQllwbHVIa2VzVnhSWjYtY1VRSC1qOGU0bVpQQXpSUUs0Q3ZoUQ?oc=5) · reveliolabs.com
- 2026-07-02 [Cross River Bank expands partnership with Stripe to power agentic commerce - ROI-NJ](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPWHFYekF3ZW05Wks2WWswdUpwYUt3Z1ZFNFZERHVBZm5QNFdzR2lDM0VuTE8xYmc4RjBJY3ZkTk5FSm12SDNLVnZMOXIzc0YzZmlGbnRzQUV3OFFIUTlKLTNuckdGV1Rpajh3UWd2RFhEUUZYeHZpT3B0U2U3djNkWDZQU1pRWC1haThxd01kX0JEUDNVZjdzYTZMX0d6b2hkenFfLXc2eWpjMGdTa2dUSWhKd0JZY3NH?oc=5) · ROI-NJ
- 2026-02-19 [What Is Cross River Bank, and Are Its Credit Cards Right for You? - NerdWallet](https://news.google.com/rss/articles/CBMiekFVX3lxTFBlYVB2emViVjdLMVdtWVJLbmJqbVMwZkplWXdFRFZMN3FBdGVQZFRHbXdwa0dwSi0tb1N6eWJvd1N4YkswalJEOWktY2RDWmplSUoyTjktTzh1UVRxRndVU2lULWFPRzVWRlctZ29Dc3N1OS0yT0pGMEFB?oc=5) · NerdWallet
- 2026-07-28 [X Money Goes Nationwide, Backed by a Bank the FDIC Has Twice Cited for Unsafe Practices - Tech Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxPV200bnB4ZHVHbWF6WkhyZmtobEhGRWdTMjR2Tm9WcjUzT01rQWoyMFh2VG1GVjBxY3V6ZnhZMkxtZFVsUFNsSEFBN2FER0xsNHpadnBjSTBCekRDdm0zWUVkTXcxMjNseWFFTXdaNkhMSUFScTR5N2RaNGR0QTd2bE5FVXp3dnM2RW9peGdWRzNoWWh4SXRlQUo3cTAyMXk4cEkwdTlaNEVNZ2taUHZDa2o2NFNFaFRFNnBWVmZqbS1Cd280bmg0?oc=5) · Tech Times
- 2026-07-02 [Cross River Teams With Stripe on Issuance for Agentic Commerce - Digital Transactions](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZ0REZDVla0RyaDliWHdqenhsMUdmTWlDa2xrWS00MzkxR2wtMGdvUkp4WDY1bWNvQ0hVVmlxS2VXeTBwNWNLd1ZJZzhrWHRrTXdUTEc0WENtOXNlcWFiMV9YeVRKNHNGUUdIY3hOUHdodlkyMnZoR3RPMEpxTnlKVEx5MUw1X0FGZm9vcWR3aXR1MXhWb1VJYTB1WEUxMEdk?oc=5) · Digital Transactions
- 2026-04-03 [Cross River Bank Beats Suit Over Alleged Solar Loan Scheme - Law360](https://news.google.com/rss/articles/CBMinwFBVV95cUxOTUdQbUlrajh5bElaLWtTQ0xMREVBZ041ZXhWbnRkOGNKTHlXQnQ1OV9rRWlkT1JZZzRSOUR4Qk1HbTBFbm5DQlN6RG1qYjJxeTQ2RVo5Wk90ZmQ0bFA0UWJkdWE3T1BnNEpreXdKcHdJclcxd0N6Tk91R0tUbXMyREp3WGw1enZPb2xxYk1mRVlLUVRjbGJrZTdaUl9yTG_SAVZBVV95cUxQT2tDaXVuNm5tVTJIdGZsQi16Rjk3TlR2bDBJUkRULUU5aUFTN2hlekpzM29FVldoaWR2cEFOV0RZVkowbFFxNmtLcVNxWUM5TERyWE1iUQ?oc=5) · Law360
- 2025-12-08 [Cross River Bank completes landmark $288M transaction - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTFAyUXUwRlNGX2dmUXY3VVloc0xHeHFDRjBCVmhCeEd6eUt3MWYzTnpWeDRGdVNvZjYwaHoyR1NNSExBQnlyelNRUlpoVGZ0S3VyU01JdHFuM1phR182N1dRREl5dG03Q0lQcm85eFFxYy1MOTg?oc=5) · NJBIZ
- 2026-04-01 [Cross River Bank Raises $50M in Funding - finsmes.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE9NZGRGNXNHNnNRUHJiekVoWXVvRXY1akE3RXVtT1VRRXFUaVVKSldZcy0xYkI2VG10bE1UMTdHdnNqOXJIOVdhekhVOTRVWFBtNm5EZjJUQ1k0b2pUMGRJYy1XLTYtQ0gwNnI2WnlTcjB1QUFXeXJTVDR3?oc=5) · finsmes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58410 (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/42.json (key "58410", 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