New Jersey · Q2 2026
Morris County, New Jersey
29% of Morris 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 90%.
Rated on 34% 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
19 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Peapack Private Bank & Trust | Bedminster, NJ | $8.0B | Concentrated | 300%+, growth test not met | 29.2% |
| Blue Foundry Bank | Rutherford, NJ | $1.9B | Below | — | 17.0% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 15.5% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 14.1% |
| First Hope Bank, A National Banking Association | Hope, NJ | $0.7B | Below | — | 12.4% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 12.3% |
| Haven Savings Bank | Hoboken, NJ | $1.0B | Concentrated | 300%+, growth test not met | 6.7% |
| Columbia Bank | Fair Lawn, NJ | $12B | Concentrated | 300%+, growth test not met | 6.2% |
| Bogota Savings Bank | Teaneck, NJ | $0.9B | Below | — | 5.2% |
| ConnectOne Bank | Englewood Cliffs, NJ | $14B | Concentrated | 300%+, growth test not met | 5.1% |
| Ion Bank | Naugatuck, CT | $2.8B | Below | — | 4.3% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 4.2% |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4.0B | Concentrated | 300%+, growth test not met | 3.9% |
| Somerset Regal Bank | Bound Brook, NJ | $1.2B | Below | — | 3.0% |
| Unity Bank | Clinton, NJ | $3.2B | Below | — | 2.6% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 1.8% |
| BCB Community Bank | Bayonne, NJ | $3.1B | Concentrated | 300%+, growth test not met | 1.3% |
- Peapack Private Bank & TrustConcentratedBedminster, NJ$8.0B300%+, growth test not met29.2% of bank deposits
- Blue Foundry BankBelowRutherford, NJ$1.9B—17.0% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met15.5% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC214.1% of bank deposits
- Hope, NJ$0.7B—12.4% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met12.3% of bank deposits
- Haven Savings BankConcentratedHoboken, NJ$1.0B300%+, growth test not met6.7% of bank deposits
- Columbia BankConcentratedFair Lawn, NJ$12B300%+, growth test not met6.2% of bank deposits
- Bogota Savings BankBelowTeaneck, NJ$0.9B—5.2% of bank deposits
- ConnectOne BankConcentratedEnglewood Cliffs, NJ$14B300%+, growth test not met5.1% of bank deposits
- Ion BankBelowNaugatuck, CT$2.8B—4.3% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, growth test not met4.2% of bank deposits
- Spencer Savings Bank, SLAConcentratedElmwood Park, NJ$4.0B300%+, growth test not met3.9% of bank deposits
- Somerset Regal BankBelowBound Brook, NJ$1.2B—3.0% of bank deposits
- Unity BankBelowClinton, NJ$3.2B—2.6% of bank deposits
- Lancaster, PA$33B—1.8% of bank deposits
- BCB Community BankConcentratedBayonne, NJ$3.1B300%+, growth test not met1.3% 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 19 banks under $100B in assets with a branch in Morris County is above a regulatory CRE concentration threshold, and it holds 29% of the county deposits this report covers. Another 9 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 90%.
Coverage is 34%: the rest of the deposits in Morris 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.