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This institution is no longer active

Operations ceased on May 5, 2007. CRA examination history below reflects the period it was active.

SOMERSET VALLEY BANK

SOMERVILLE, NJ · Supervised by FDIC

Est. 1991FDIC #33,540RSSD: FDIC-33540
Part ofFULTON FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.35%

Institution Profile

FDIC BankFind

Address

103 West End Avenue, SOMERVILLE, NJ

County

Somerset County

Established

December 19, 1991

Total Assets

$549M(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

June 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 2007Call Report / FDIC

Total Assets

$549M

Total Deposits

$417M

Net Loans

$312M

Net Income

$489K

ROA

0.35%

ROE

2.09%

Risk-Based Capital

11.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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