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This institution is no longer active

Operations ceased on July 31, 2020. CRA examination history below reflects the period it was active.

SB ONE BANK

FRANKLIN, NJ · Supervised by FDIC

Est. 1976FDIC #22,221RSSD: FDIC-22221
Part ofSB ONE BCORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.10%

Institution Profile

FDIC BankFind

Address

399 Route 23, FRANKLIN, NJ

County

Sussex County

Established

February 9, 1976

Total Assets

$2.2B(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

September 1, 2020

Exam Type

Intermediate Small 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 Q2 2020Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.7B

Net Loans

$1.8B

Net Income

$12M

ROA

1.10%

ROE

10.43%

Risk-Based Capital

12.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate12.06%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202014172.34%12.06%
201923672.03%13.56%
201818770.59%16.58%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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