This institution is no longer active

Operations ceased on July 1, 2016. CRA examination history below reflects the period it was active.

HARMONY BANK

JACKSON, NJ · Supervised by FDIC

Est. 2008FDIC #58,713RSSD: FDIC-58713

Satisfactory Same

Current rating · Exam: March 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.71%

Institution Profile

FDIC BankFind

Address

2120 West County Line Road, JACKSON, NJ

County

Ocean County

Established

September 2, 2008

Total Assets

$314M(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

March 1, 2014

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 Q2 2016Call Report / FDIC

Total Assets

$314M

Total Deposits

$278M

Net Loans

$258M

Net Income

$-1,087K

ROA

-0.71%

ROE

-8.03%

Risk-Based Capital

10.56%

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 Rate13.64%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	88	73.86%	13.64%
2023	72	80.56%	8.33%

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 2 exams

1 previous rating locked — dating back to 2011

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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