This institution is no longer active

Operations ceased on July 29, 1994. CRA examination history below reflects the period it was active.

SOUTHERN OCEAN STATE BANK

LITTLE EGG HARBOR TOWNSHIP, NJ · Supervised by FDIC

Est. 1976FDIC #22,274RSSD: FDIC-22274

Part ofB M J FINANCIAL CORP→ View all charters

Satisfactory

Current rating · Exam: August 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.70%

Institution Profile

FDIC BankFind

Address

Route 9, LITTLE EGG HARBOR TOWNSHIP, NJ

County

Ocean County

Established

May 17, 1976

Total Assets

$69M(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

August 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 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 1994Call Report / FDIC

Total Assets

$69M

Total Deposits

$60M

Net Loans

$37M

Net Income

$591K

ROA

1.70%

ROE

20.00%

Risk-Based Capital

16.47%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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