New Jersey · Q2 2026

Bergen County, New Jersey

ECredit pressureE on a scale where E is the highest pressure and A the lowest

8.7% of Bergen County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Counting institutions that are concentrated but do not meet the growth test, the share is 59%.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

▲ 2.3 pts

Coverage

Coverage 43% — full

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

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Banks behind this number

34 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Cross River Bank	Fort Lee, NJ	$8.5B	Below	—	100.0%
Freedom Bank	Maywood, NJ	$0.8B	Above threshold	C1	95.1%
Bogota Savings Bank	Teaneck, NJ	$0.9B	Below	—	87.8%
Hana Bank USA, National Association	Fort Lee, NJ	$0.8B	Below	—	83.3%
Blue Foundry Bank	Rutherford, NJ	$1.9B	Below	—	70.1%
Spencer Savings Bank, SLA	Elmwood Park, NJ	$4.0B	Concentrated	300%+, growth test not met	58.9%
New Millennium Bank	Fort Lee, NJ	$0.9B	Below	—	57.4%
NewBank	Flushing, NY	$0.6B	Below	—	46.9%
Ascendia Bank	Glen Rock, NJ	$0.4B	Concentrated	300%+, growth test not met	46.3%
Columbia Bank	Fair Lawn, NJ	$12B	Concentrated	300%+, growth test not met	36.0%
First Commerce Bank	Lakewood, NJ	$2.0B	Concentrated	300%+, growth test not met	33.2%
Woori America Bank	New York, NY	$4.1B	Below	—	28.7%
Kearny Bank	Kearny, NJ	$7.7B	Concentrated	300%+, growth test not met	25.5%
GSL Savings Bank	Guttenberg, NJ	$0.2B	Approaching	—	18.4%
Ion Bank	Naugatuck, CT	$2.8B	Below	—	18.1%
ConnectOne Bank	Englewood Cliffs, NJ	$14B	Concentrated	300%+, growth test not met	17.5%
BCB Community Bank	Bayonne, NJ	$3.1B	Concentrated	300%+, growth test not met	14.9%
Alma Bank	Astoria, NY	$1.6B	Concentrated	300%+, growth test not met	11.2%
Unity Bank	Clinton, NJ	$3.2B	Below	—	10.8%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	9.8%
Haven Savings Bank	Hoboken, NJ	$1.0B	Concentrated	300%+, growth test not met	9.8%
Provident Bank	Jersey City, NJ	$26B	Above threshold	C2	9.5%
Shinhan Bank America	New York, NY	$2.2B	Below	—	8.0%
PCB Bank	Los Angeles, CA	$3.5B	Concentrated	300%+, growth test not met	6.6%
Bank of Hope	Los Angeles, CA	$19B	Below	—	5.5%
Commonwealth Business Bank	Los Angeles, CA	$2.0B	Below	—	4.8%
The Bank of Princeton	Princeton, NJ	$2.3B	Concentrated	300%+, growth test not met	4.0%
Metro City Bank	Doraville, GA	$4.5B	Below	—	2.0%
Hanmi Bank	Los Angeles, CA	$8.0B	Concentrated	300%+, growth test not met	1.8%
Apple Bank	New York, NY	$20B	Concentrated	300%+, growth test not met	0.5%
TrustCo Bank	Glenville, NY	$6.5B	Below	—	0.2%

Cross River BankBelow
Fort Lee, NJ$8.5B—100.0% of bank deposits
Freedom BankAbove threshold
Maywood, NJ$0.8BC195.1% of bank deposits
Bogota Savings BankBelow
Teaneck, NJ$0.9B—87.8% of bank deposits
Hana Bank USA, National AssociationBelow
Fort Lee, NJ$0.8B—83.3% of bank deposits
Blue Foundry BankBelow
Rutherford, NJ$1.9B—70.1% of bank deposits
Spencer Savings Bank, SLAConcentrated
Elmwood Park, NJ$4.0B300%+, growth test not met58.9% of bank deposits
New Millennium BankBelow
Fort Lee, NJ$0.9B—57.4% of bank deposits
NewBankBelow
Flushing, NY$0.6B—46.9% of bank deposits
Ascendia BankConcentrated
Glen Rock, NJ$0.4B300%+, growth test not met46.3% of bank deposits
Columbia BankConcentrated
Fair Lawn, NJ$12B300%+, growth test not met36.0% of bank deposits
First Commerce BankConcentrated
Lakewood, NJ$2.0B300%+, growth test not met33.2% of bank deposits
Woori America BankBelow
New York, NY$4.1B—28.7% of bank deposits
Kearny BankConcentrated
Kearny, NJ$7.7B300%+, growth test not met25.5% of bank deposits
GSL Savings BankApproaching
Guttenberg, NJ$0.2B—18.4% of bank deposits
Ion BankBelow
Naugatuck, CT$2.8B—18.1% of bank deposits
ConnectOne BankConcentrated
Englewood Cliffs, NJ$14B300%+, growth test not met17.5% of bank deposits
BCB Community BankConcentrated
Bayonne, NJ$3.1B300%+, growth test not met14.9% of bank deposits
Alma BankConcentrated
Astoria, NY$1.6B300%+, growth test not met11.2% of bank deposits
Unity BankBelow
Clinton, NJ$3.2B—10.8% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met9.8% of bank deposits
Haven Savings BankConcentrated
Hoboken, NJ$1.0B300%+, growth test not met9.8% of bank deposits
Provident BankAbove threshold
Jersey City, NJ$26BC29.5% of bank deposits
Shinhan Bank AmericaBelow
New York, NY$2.2B—8.0% of bank deposits
PCB BankConcentrated
Los Angeles, CA$3.5B300%+, growth test not met6.6% of bank deposits
Bank of HopeBelow
Los Angeles, CA$19B—5.5% of bank deposits
Commonwealth Business BankBelow
Los Angeles, CA$2.0B—4.8% of bank deposits
The Bank of PrincetonConcentrated
Princeton, NJ$2.3B300%+, growth test not met4.0% of bank deposits
Metro City BankBelow
Doraville, GA$4.5B—2.0% of bank deposits
Hanmi BankConcentrated
Los Angeles, CA$8.0B300%+, growth test not met1.8% of bank deposits
Apple BankConcentrated
New York, NY$20B300%+, growth test not met0.5% of bank deposits
TrustCo BankBelow
Glenville, NY$6.5B—0.2% of bank deposits

A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.

What this means

2 of the 34 banks under $100B in assets with a branch in Bergen County are above a regulatory CRE concentration threshold, and together they hold 8.7% of the county deposits this report covers. Another 15 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 59%. 3 more sit within one quarter of a threshold.

Coverage is 43%: the rest of the deposits in Bergen County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.

Nothing on this page is investment advice.