Cross River Bank
Cross River Bank reported total assets of $8.5 bn at Q2 2026, up 7.4% on a year earlier, the 188th largest of 497 banks in our US coverage. Cross River Bank uses the community bank leverage ratio framework, with a leverage ratio of 11.78%, and the uninsured share of Cross River Bank was 33.35%. Source: FDIC Call Reports.
Key takeaways
- Cross River Bank reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: 0.99% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- At 2.83%, the net charge-offs to average loans of Cross River Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06% (FDIC Call Reports).
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on assets (ROA) than Cross River Bank, at 0.12% in ; the group median is 1.32% (FDIC Call Reports).
What sets Cross River Bank apart
- On uninsured share of domestic deposits, Cross River Bank climbed from 336th to 268th among 500 US banks between and (1 = highest).
- Cross River Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 82.92% at , against a median of 56.87% across 339 banks.
- At 2.79%, the noncurrent loans to total loans of Cross River Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.58%.
How large is Cross River Bank?
The balance sheet of Cross River Bank at : assets $8.5 bn, deposits $6.7 bn, net loans $5.9 bn (loans equal to 87.78% of deposits). Securities make up 16.1% of total assets at Cross River Bank. Since , when Cross River Bank held $412.0 mn, its assets grew 1,970.1%. In the year to , deposits at Cross River Bank rose 0.5% while its total assets rose 7.4%. At , Cross River Bank employed 938 full-time equivalent staff across 2 offices, about $9.1 mn of assets per employee and $3.3 bn of deposits per office.
How much funding at Cross River Bank is uninsured?
At Cross River Bank, uninsured deposits (above the FDIC limit) made up 33.35% of domestic deposits at (+4.21 pp on a year earlier); Cross River Bank ranks 268th of 500 on this measure. In dollars, Cross River Bank estimated $2.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.7 bn | +0.5% | 193rd of 499 |
| Net loans and leases | $5.9 bn | +5.2% | 185th of 500 |
| Loan-to-deposit ratio | 87.78% | +3.85 pp | 238th of 500 |
| Net interest margin | 5.10% | -0.56 pp | 38th of 500 |
| Return on assets (ROA) | 0.12% | -0.44 pp | 491st of 500 |
| Efficiency ratio | 82.92% | +4.29 pp | 482nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $6.3 mn | Narrowed by $12.5 mn | |
| Noncurrent loans to total loans | 2.79% | -0.28 pp | 477th of 500 (1 = lowest) |
| Net charge-offs to average loans | 2.83% | +1.75 pp | 489th of 500 (1 = lowest) |
US rank of Cross River Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Cross River Bank: assets, deposits and loans
- Total assets $8.5bn
- Deposits $6.7bn
- Net loans $5.9bn
Capital and securities
Cross River Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 11.78% in . Equity capital of Cross River Bank at : $1.0 bn, or 12.1% of total assets.
The available-for-sale portfolio of Cross River Bank showed an unrealized loss of $6.3 mn at ; the loss narrowed by $12.5 mn over the year.
Cross River Bank: capital ratios
- Total capital 23%
- CET1 22%
- Tier 1 leverage 12%
Cross River Bank: unrealized securities gains and losses
- Available for sale -$6mn
- Held to maturity $0
Profitability and loan quality
For the year to , Cross River Bank earned a return on equity of 0.99%; return on assets: 0.12%. Net interest margin at Cross River Bank: 5.10%, -0.56 pp in a year. Cross River Bank net income: $5.2 mn, down 77.8% year on year. The efficiency ratio of Cross River Bank was 82.92%: about 83 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 2.79% of total loans at Cross River Bank; net charge-offs: 2.83% of average loans. Gross loans and leases at Cross River Bank: $5.9 bn, up 4.5% in a year.
Cross River Bank: profitability
- Return on equity 1.0%
- Net interest margin 5.1%
- Return on assets 0.1%
Peer group of Cross River Bank
The peer group of Cross River Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Cross River Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Jersey. Against them, Cross River Bank shows return on equity 0.99% against a peer median of 12.02% and uninsured deposit share 33.35% against a peer median of 42.82%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | State nonmember bank | NJ | $8.5 bn | not reported | 0.99% | 33.35% | |
| Forbright Bank | State nonmember bank | MD | $8.5 bn | not reported | 5.25% | 13.95% | |
| German American Bank | State nonmember bank | IN | $8.4 bn | 13.31% | 13.05% | 42.83% | |
| Heritage Bank | State nonmember bank | WA | $8.4 bn | 12.34% | 7.88% | 39.09% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cross River Bank, to : assets +1.1%, deposits -0.8%, equity +3.1%. Staff 869 to 938.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.4 bn | $8.3 bn | $8.5 bn | $7.9 bn | $8.1 bn | $8.1 bn | $8.7 bn | $8.5 bn |
| Total deposits | $6.7 bn | $6.2 bn | $6.6 bn | $6.6 bn | $6.6 bn | $6.2 bn | $6.7 bn | $6.7 bn |
| Bank equity capital | $1.0 bn | $1.0 bn | $1.0 bn | $1.0 bn | $1.1 bn | $1.1 bn | $1.0 bn | $1.0 bn |
| Return on equity (ROE) | 3.38% | 3.71% | 7.16% | 4.50% | 3.49% | 2.30% | 4.40% | 0.99% |
| Uninsured share of domestic deposits | 27.30% | 26.44% | 27.64% | 29.14% | 30.10% | 39.40% | 39.45% | 33.35% |
| Full-time equivalent employees | 869 | 868 | 871 | 889 | 889 | 914 | 918 | 938 |
| Number of offices | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Cross River Bank
- Total assets at Cross River Bank changed by +56.5% in the quarter to 2017-12-31, with no FDIC structure event in that quarter.
- Total assets at Cross River Bank changed by +27.5% in the quarter to 2019-06-30, with no FDIC structure event in that quarter.
- Total assets at Cross River Bank changed by +292.1% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at Cross River Bank changed by +39.3% in the quarter to 2021-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Cross River Bank?
Cross River Bank reported $8.5 bn at in its Call Report. That makes Cross River Bank the 188th largest of 497 banks in our US coverage.
Is Cross River Bank the same as its holding company?
No. This page covers Cross River Bank, FDIC certificate 58410; CRB GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cross River Bank profitable?
Cross River Bank reported net income of $5.2 mn for the year to ; annualized return on equity: 0.99%. So yes: Cross River Bank made a profit over these months.
When is data for Cross River Bank next updated?
Figures from Cross River Bank for are due after .
Where can I check the figures for Cross River Bank?
In the FDIC BankFind Suite record for certificate 58410, and in the Call Reports of Cross River Bank (RSSD ID 3783313) at the FFIEC Central Data Repository.