This institution is no longer active

Operations ceased on January 19, 2006. CRA examination history below reflects the period it was active.

ADVANTAGE BANK

BRANCHBURG TOWNSHIP, NJ · Supervised by FDIC

Est. 1999FDIC #34,939RSSD: FDIC-34939

Satisfactory

Current rating · Exam: June 2001

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

3421 Route 22 East, BRANCHBURG TOWNSHIP, NJ

County

Somerset County

Established

January 7, 1999

Total Assets

$168M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2005Call Report / FDIC

Total Assets

$168M

Total Deposits

$152M

Net Loans

$125M

Net Income

$765K

ROA

0.47%

ROE

5.50%

Risk-Based Capital

12.16%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	38	89.47%	0.00%
2018	98	87.76%	3.06%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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