Cross River Bank
Fort Lee, NJ · Cert 58410 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · CRB Group Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$8.5BAssets
$5.9BLoans
$6.7BDeposits
$1.0BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 3 of 36).
- Widest gap: net charge-offs / loans trails 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.12%
Rank 33 of 36
Net Interest Margin
4.69%
Rank 3 of 36
Efficiency Ratio
82.98%
Rank 33 of 35
Equity / Assets
12.09%
Rank 14 of 36
Non-interest income vs. expense
Unfavorable gap of $307.3M · efficiency ratio beats 9% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.65% | 1.00% | 1.72% | Beats 8% | 33 / 36 | |
| Return on Equity | 1.00% | 5.35% | 9.30% | 13.56% | Beats 6% | 33 / 35 | |
| Net Interest Margin | 4.69% | 2.66% | 3.13% | 3.63% | Beats 92% | 3 / 36 | |
| Efficiency Ratio | 82.98% | 52.19% | 63.09% | 75.14% | Beats 9% | 33 / 35 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.79% | 0.46% | 0.84% | 1.59% | Beats 11% | 33 / 36 | |
| Net Charge-Offs / Loans | 1.75% | n/a | 0.03% | 0.14% | Beats 3% | 36 / 36 | |
| Capital |
| Tier 1 Capital Ratio | 11.78% | 13.13% | 14.78% | 18.34% | Beats 17% | 30 / 36 | |
| Total Risk-Based Capital Ratio | 11.78% | 13.73% | 15.96% | 19.27% | Beats 8% | 33 / 36 | |
| Equity / Assets | 12.09% | 9.80% | 11.58% | 14.82% | Beats 61% | 14 / 36 | |
| Liquidity & Funding |
| Loans / Deposits | 88.99% | 81.12% | 95.13% | 103.24% | 36th pctl | 23 / 36 | |
| Loans / Assets | 69.76% | 67.44% | 76.31% | 84.79% | 31st pctl | 25 / 36 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |