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This institution is no longer active

Operations ceased on June 1, 1998. CRA examination history below reflects the period it was active.

THE JERSEY BANK FOR SAVINGS

MONTVALE, NJ · Supervised by FDIC

Est. 1989FDIC #27,432RSSD: FDIC-27432
Satisfactory Same

Current rating · Exam: June 1996

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

4-6 South Kinderkamack Road, MONTVALE, NJ

County

Bergen County

Established

January 18, 1989

Total Assets

$79M(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, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1998Call Report / FDIC

Total Assets

$79M

Total Deposits

$72M

Net Loans

$37M

Net Income

$56K

ROA

0.29%

ROE

3.51%

Risk-Based Capital

19.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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