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This institution is no longer active

Operations ceased on January 31, 2019. CRA examination history below reflects the period it was active.

CAPITAL BANK OF NEW JERSEY

VINELAND, NJ · Supervised by FDIC

Est. 2007FDIC #58,464RSSD: FDIC-58464
Outstanding Same

Current rating · Exam: December 2018

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.40%

Institution Profile

FDIC BankFind

Address

175 South Main Road, VINELAND, NJ

County

Cumberland County

Established

April 23, 2007

Total Assets

$514M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2018Call Report / FDIC

Total Assets

$514M

Total Deposits

$462M

Net Loans

$315M

Net Income

$7M

ROA

1.40%

ROE

15.18%

Risk-Based Capital

14.31%

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 Rate14.29%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20182882.14%14.29%

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

3 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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