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This institution is no longer active

Operations ceased on November 1, 2019. CRA examination history below reflects the period it was active.

ATLANTIC STEWARDSHIP BANK

MIDLAND PARK, NJ · Supervised by FDIC

Est. 1985FDIC #26,390RSSD: FDIC-26390
Part ofSTEWARDSHIP FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2017

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

630 Godwin Avenue, MIDLAND PARK, NJ

County

Bergen County

Established

September 28, 1985

Total Assets

$957M(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

November 1, 2017

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 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 Q3 2019Call Report / FDIC

Total Assets

$957M

Total Deposits

$773M

Net Loans

$756M

Net Income

$6M

ROA

0.87%

ROE

8.19%

Risk-Based Capital

13.50%

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 Rate22.37%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201915259.87%22.37%
201817047.65%24.71%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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