🏦Bank Scorer

STURDY SAVINGS BANK

STONE HARBOR, NJ · Supervised by FDIC

Est. 1922FDIC #28,788RSSD: FDIC-28788
Part ofSTURDY BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

9417 3rd Ave, STONE HARBOR, NJ

County

Cape May County

Established

January 1, 1922

Total Assets

$1.1B(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, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$1.0B

Net Loans

$646M

Net Income

$2M

ROA

0.68%

ROE

8.17%

Risk-Based Capital

16.61%

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 Rate4.41%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$989M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413679.41%4.41%
202315581.94%7.10%
202224087.5%1.25%
202119185.86%3.66%
202021078.1%8.10%
201922575.11%11.56%
201823476.5%8.12%

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

12 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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