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This institution is no longer active

Operations ceased on April 1, 2020. CRA examination history below reflects the period it was active.

ROSELLE BANK

ROSELLE, NJ · Supervised by FDIC

Est. 1889FDIC #28,567RSSD: FDIC-28567
Part ofRSB BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: November 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -5.44%

Institution Profile

FDIC BankFind

Address

235 Chestnut St, ROSELLE, NJ

County

Union County

Established

January 1, 1889

Total Assets

$422M(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, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2020Call Report / FDIC

Total Assets

$422M

Total Deposits

$332M

Net Loans

$173M

Net Income

$-5,821K

ROA

-5.44%

ROE

-42.63%

Risk-Based Capital

30.37%

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 Rate8.11%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20203778.38%8.11%
201916656.02%10.24%
201822956.77%14.41%

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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