New Jersey · Q2 2026

Gloucester County, New Jersey

DCredit pressureD on a scale where E is the highest pressure and A the lowest

5.1% of Gloucester 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 18%.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

▲ 5.1 pts

Coverage

Coverage 47% — full

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

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Banks behind this number

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

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Monroe Savings Bank	Williamstown, NJ	$0.1B	Below	—	100.0%
Parke Bank	Sewell, NJ	$2.3B	Below	—	60.2%
Newfield National Bank	Newfield, NJ	$0.9B	Below	—	58.3%
Franklin Bank	Pilesgrove, NJ	$0.3B	Below	—	27.3%
The First National Bank of Elmer	Elmer, NJ	$0.4B	Below	—	24.9%
Century Savings Bank	Vineland, NJ	$0.6B	Below	—	23.3%
Fulton Bank, National Association	Lancaster, PA	$33B	Below	—	6.5%
Columbia Bank	Fair Lawn, NJ	$12B	Concentrated	300%+, growth test not met	4.5%
First Bank	Hamilton, NJ	$4.1B	Concentrated	300%+, growth test not met	4.5%
The Bank of Princeton	Princeton, NJ	$2.3B	Concentrated	300%+, growth test not met	3.2%
OceanFirst Bank, National Association	Toms River, NJ	$23B	Above threshold	C2	2.3%

Monroe Savings BankBelow
Williamstown, NJ$0.1B—100.0% of bank deposits
Parke BankBelow
Sewell, NJ$2.3B—60.2% of bank deposits
Newfield National BankBelow
Newfield, NJ$0.9B—58.3% of bank deposits
Franklin BankBelow
Pilesgrove, NJ$0.3B—27.3% of bank deposits
The First National Bank of ElmerBelow
Elmer, NJ$0.4B—24.9% of bank deposits
Century Savings BankBelow
Vineland, NJ$0.6B—23.3% of bank deposits
Fulton Bank, National AssociationBelow
Lancaster, PA$33B—6.5% of bank deposits
Columbia BankConcentrated
Fair Lawn, NJ$12B300%+, growth test not met4.5% of bank deposits
First BankConcentrated
Hamilton, NJ$4.1B300%+, growth test not met4.5% of bank deposits
The Bank of PrincetonConcentrated
Princeton, NJ$2.3B300%+, growth test not met3.2% of bank deposits
OceanFirst Bank, National AssociationAbove threshold
Toms River, NJ$23BC22.3% 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

1 of the 11 banks under $100B in assets with a branch in Gloucester County is above a regulatory CRE concentration threshold, and it holds 5.1% of the county deposits this report covers. Another 3 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 18%.

Coverage is 47%: the rest of the deposits in Gloucester 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.