# CAPITAL BANK OF NEW JERSEY
VINELAND, NJ · FDIC certificate 58464 · asset band $300M-1B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $513.5M | |
| Deposits | $462.4M | |
| Loans and leases | $319.7M | |
| Total equity | $48.7M | |
| Loans / deposits | 68.02% (p17 of band) | 86.08% |
| Liquid assets / assets | 34.24% (p78 of band) | |
| Uninsured deposits / deposits | 43.12% (p92 of band) | 22.10% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.48% (p27 of band) | 10.52% |
| Unrealized securities loss / equity | -3.19% (p30 of band) | -1.90% |
| AOCI / equity | -1.74% (p28 of band) | |
| ROA (annualized) | 1.40% (p73 of band) | 1.13% |
| Net interest margin | 3.75% (p49 of band) | 3.77% |
| Efficiency ratio | 56.36% (p22 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.49% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 69% | |
| Construction % of loans | 20.10% (p27 of band) | |
| Auto loans | $108,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 69 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2017-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |

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

- 2019-01-15 [Capital Bank of New Jersey appoints new director - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE14RWM0VS1TeWNOdk9MYkNwakpzdUI5STduNnVvNXZzVmE1Tk9XMWFzcXZGMlNoMTZPbnlIRGtZOVZvQVVfeW4xWTh5cUEyNnFZVk1xQkpwNGJNTzVIUzlyVFBYMUp4TDZpNWZaTzhWd3ZKVHNSdVE?oc=5) · NJBIZ
- 2018-10-27 [OceanFirst Bank to buy Capital Bank in South Jersey for $80M - Asbury Park Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxQakdmcUk5QmlJYXNhYjVrR0o1M0gySi1QalpWSUtGZWtrajg0UERMSGtBTDhONHZtLWJEV3F6WE03LThQVG5LRXZPR1ktMDRWaHNrekp5M2lnZmoxU0lUQkI1TXVKb1dZbHJTTW9mQ0pzdTZ6N2Y3MmFtYmNNMlF6WWFuX1NpMFc0U2U3Z1dNNWFreGY0b3A0YnY2MVBydlM0cC1uZlowSGZaUVBQcmZYTTRsMDRHOW5PaXg3LUlMYTBhdERX?oc=5) · Asbury Park Press
- 2020-02-10 [Century Savings in N.J. hires veteran banker as its president - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxORkNFQ2RObnNoUi1EVUVzYjFwUktYNllIMnBiRlRtYk9jeWltMXlvN0xwUm9QQkw2bVhXaVdWRTRIZ0x2ZUpmanljbldzMUNOc1EtWkE2NFF3eldQS1loMWJkTUN3VTRlMEFXMmFUZ3lwTU50aG9hc3Y3N2ZwT1lrN1BfMURTN0xlWFd5enBUeWVxbnZkb3g4UFBpMHQ?oc=5) · American Banker
- 2012-01-22 [Capital Bank names Cusick as a vice president - NJ.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1iNTdUYks5UUxFb0hSZWtSNEptbGhRZ2hFcUVxdjU4Nl9DLV9JZjliTkpuS2NsallsVlJwc3RIeXNUUW9Pd3VUc2VXc0t0dmp3dUdsWUp2WlhLdDFsb09ndGFBdmZLeDFyc3FvVFhTVnk2X0pzUnp6Xw?oc=5) · NJ.com
- 2020-02-19 [OceanFirst closing 13 branches following wave of acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeUgxaDQwQnYxTFJUY3JaWFJwcWlOZmdoRzY1V2dVd2xoaHVuSzFIZDNDZlJFWXlJQVlTaEZFdmlhc1ROVkJsWlp0UmZ6eVJ6RXVOaW53STNjZVpIN2kxQTFpeHdCNHRtWWVfZGh3cncyRGpodjRXdG45WHl1UDIteFFxX2NSWTYyekJXX051VUZSN0NldDJnVzRsTGU4dkM2Zl9FX0d2cHpxeVROTmRZ?oc=5) · The Business Journals
- 2016-08-02 [Vineland housing Project Completed - TheDailyJournal.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQN05CU0xvWDhfNnBxbmxOMWN2blFVeEI4bUJVc1NwbmRwMmxYVDdVTklNRHM5bVZrY25FVnk3QzN4TFFoQ0NVOVR2aGgwUndOSnNHVktMWWY1ek1rdmdOcnBGYUlMRER5TEw2TjN4ZExfTUs2ODE0bmZ1Qm9DT2xQZ01IeEM1OEth?oc=5) · TheDailyJournal.com
- 2020-12-14 [New Jersey bank picks high-profile Philadelphia building for its first Pennsylvania branch - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxQMmVrMThwb0FEUUlWdk45SHFhNTBuRGNJS2NWZkd4bWcyNG9pc1RabHZkWmNIeWtkUlpkTURHU2FRY0tiOFFoUlBYQnhxMDVxb1NyTzJfNTctdzQ3bUM0cGx6VFVES3ItaGY3WHEycjlDREpPQVBla2hJQkxvY1p5eVRNV1Jvdnh0Z0tXUGNZbDFrX2pqc19Xazl0aXc3QktTVjJVNVo5a19ka2tkcjd4V1FR?oc=5) · The Business Journals
- 2019-12-12 [OceanFirst swallowing two more banks in the new year, reaching into NYC - Asbury Park Press](https://news.google.com/rss/articles/CBMitAFBVV95cUxNSEN6c1pjU05XT2I2eUpRTTkxZktSR1NvdDlrSExVeF9vN0pmdzdHSjZlaU04b2ctYVU0VGs0dFpvRUl0cUZQbHFuSkZQR3dlMDFFZEhGWEprcFhuOFljVWhvQjdmMGZBR3lxYWwzeWRYN3RDR2hfNzN0aUJGc0lHZlpJbHpkMDBuRC14SkhEWUNqdG9OcEhRYXlQQUtBWkJMcWkyckJFcS1JUmFYdzBlTjBmbXA?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58464 (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/32.json (key "58464", 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