New Jersey · Q2 2026
Monmouth County, New Jersey
34% of Monmouth 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 97%.
Rated on 29% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
14 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Manasquan Bank | Manasquan, NJ | $3.6B | Concentrated | 300%+, growth test not met | 60.5% |
| Amboy Bank | Old Bridge, NJ | $3.1B | Concentrated | 300%+, growth test not met | 30.8% |
| First Commerce Bank | Lakewood, NJ | $2.0B | Concentrated | 300%+, growth test not met | 25.4% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 20.3% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 17.7% |
| Columbia Bank | Fair Lawn, NJ | $12B | Concentrated | 300%+, growth test not met | 5.9% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 5.5% |
| Hanover Community Bank | Garden City Park, NY | $2.3B | Concentrated | 300%+, growth test not met | 3.9% |
| BCB Community Bank | Bayonne, NJ | $3.1B | Concentrated | 300%+, growth test not met | 3.0% |
| ConnectOne Bank | Englewood Cliffs, NJ | $14B | Concentrated | 300%+, growth test not met | 2.1% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 2.0% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 1.4% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 0.9% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 0.6% |
- Manasquan BankConcentratedManasquan, NJ$3.6B300%+, growth test not met60.5% of bank deposits
- Amboy BankConcentratedOld Bridge, NJ$3.1B300%+, growth test not met30.8% of bank deposits
- First Commerce BankConcentratedLakewood, NJ$2.0B300%+, growth test not met25.4% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC220.3% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met17.7% of bank deposits
- Columbia BankConcentratedFair Lawn, NJ$12B300%+, growth test not met5.9% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC25.5% of bank deposits
- Hanover Community BankConcentratedGarden City Park, NY$2.3B300%+, growth test not met3.9% of bank deposits
- BCB Community BankConcentratedBayonne, NJ$3.1B300%+, growth test not met3.0% of bank deposits
- ConnectOne BankConcentratedEnglewood Cliffs, NJ$14B300%+, growth test not met2.1% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, growth test not met2.0% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met1.4% of bank deposits
- Lancaster, PA$33B—0.9% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met0.6% 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 14 banks under $100B in assets with a branch in Monmouth County are above a regulatory CRE concentration threshold, and together they hold 34% of the county deposits this report covers. Another 11 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 97%. 2 more sit within one quarter of a threshold.
Coverage is 29%: the rest of the deposits in Monmouth 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.
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.