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This institution is no longer active

Operations ceased on June 29, 2001. CRA examination history below reflects the period it was active.

RIDGEWOOD SAVINGS BANK OF NEW JERSEY

RIDGEWOOD, NJ · Supervised by FDIC

Est. 1885FDIC #28,632RSSD: FDIC-28632
Part ofRIDGEWOOD FINANCIAL MHC→ View all charters
Satisfactory Same

Current rating · Exam: July 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.19%

Institution Profile

FDIC BankFind

Address

55 North Broad Street, RIDGEWOOD, NJ

County

Bergen County

Established

January 1, 1885

Total Assets

$293M(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

July 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2001Call Report / FDIC

Total Assets

$293M

Total Deposits

$242M

Net Loans

$186M

Net Income

$135K

ROA

0.19%

ROE

2.31%

Risk-Based Capital

17.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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