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This institution is no longer active

Operations ceased on May 16, 2024. CRA examination history below reflects the period it was active.

LAKELAND BANK

NEWFOUNDLAND, NJ · Supervised by FDIC

Est. 1969FDIC #19,953RSSD: FDIC-19953
Part ofLAKELAND BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: October 2020

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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 0.77%

Institution Profile

FDIC BankFind

Address

2717 Route 23, NEWFOUNDLAND, NJ

County

Passaic County

Established

May 19, 1969

Total Assets

$11.0B(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

October 1, 2020

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q1 2024Call Report / FDIC

Total Assets

$11.0B

Total Deposits

$8.5B

Net Loans

$8.2B

Net Income

$21M

ROA

0.77%

ROE

6.51%

Risk-Based Capital

13.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

Mortgage Denial Rate23.97%Peer avg: 26.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20232,90459.99%23.97%
20223,37266.61%19.48%
20212,63765.68%21.35%
20202,42763.16%20.44%
20192,30961.76%28.50%
20182,26463.74%27.96%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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