TellerScore

ConnectOne Bank (FDIC certificate #57919) is based in Englewood Cliffs, New Jersey. Its Q2 2026 call report shows $14.4B in total assets and $11.8B in deposits and 57 offices across 3 states.

ConnectOne Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 46% of its 132 banks with $10 billion – $100 billion. Among 50 banks headquartered in New Jersey, it ranks 25th. Problem-loan coverage contributes the most (92/100, 4.2%); funding & liquidity contributes the least (26/100, 99% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.81%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 99.4% · 46.7% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
596366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202460
Q1 202561
Q2 202564
Q3 202561
Q4 202561
Q1 202666
Q2 202664
Tier 1 leverage ratio
5.00%8.90%12.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.29%
Q3 202411.43%
Q4 202411.66%
Q1 202511.67%
Q2 202512.81%
Q3 202510.35%
Q4 202510.59%
Q1 202610.81%
Q2 202610.81%
Noncurrent loans
0.35%0.52%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.67%
Q4 20240.69%
Q1 20250.61%
Q2 20250.35%
Q3 20250.36%
Q4 20250.55%
Q1 20260.42%
Q2 20260.68%
Return on assets
0.07%0.66%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.78%
Q4 20240.81%
Q1 20250.87%
Q2 20250.07%
Q3 20250.55%
Q4 20250.77%
Q1 20261.19%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$14.4B10.81%0.68%1.24%99.4%
Q1 202666$14.2B10.81%0.42%1.19%100.2%
Q4 202561$14.0B10.59%0.55%0.77%100.0%
Q3 202561$14.0B10.35%0.36%0.55%97.6%
Q2 202564$13.9B12.81%0.35%0.07%96.5%
Q1 202561$9.8B11.67%0.61%0.87%104.0%
Q4 202460$9.9B11.66%0.69%0.81%104.3%
Q3 202459$9.6B11.43%0.67%0.78%106.2%
Q2 202459$9.7B11.29%0.56%0.79%106.1%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.81%
69th
Total risk-based capital13.20%
25th
Problem loans0.68%
48th
Net charge-offs0.47%
13th
Return on assets1.24%
50th
Net interest margin3.55%
45th
Efficiency ratio43.8%
79th
Loans to deposits99.4%
11th
Uninsured deposits46.7%
27th
Loan-loss reserves1.18%
56th
Texas ratio4.2%
42nd

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Columbia BankBank Fair Lawn, NJ58 out of 100, Moderate$12.2B9.7%0.51%vs
OceanFirst Bank, National AssociationBank Toms River, NJ63 out of 100, Moderate$23.2B12.6%0.66%vs
Provident BankBank Jersey City, NJ63 out of 100, Moderate$25.7B10.5%0.55%vs
Valley National BankBank Passaic, NJ60 out of 100, Moderate$66.2B10.3%0.91%vs

Deposit insurance

Is my money safe at ConnectOne Bank?

Yes. ConnectOne Bank is an FDIC-insured institution (FDIC certificate #57919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.7% of deposits ($5.5B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.20% (benchmark: 10%).

Check how much of your own balance is covered

57 locations

Branches

ConnectOne Bank lists 57 offices in 54 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, ConnectOne Bank reported 150 home-loan applications under HMDA (LEI 549300X03SL4SM0F3U87): 123 originated ($388,245,000 total), 11 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
ConnectOne Bank
Former names
North Jersey Community Bank
Type
State-chartered bank
FDIC certificate #
57919
RSSD ID
3317932
Primary regulator
FDIC
Holding company
Connectone Bcorp Inc
Established
January 15, 2005
Headquarters
301 Sylvan Ave, Englewood Cliffs, NJ 07632
Employees
761

Quick answers

ConnectOne Bank: common questions

Is ConnectOne Bank FDIC insured?

Yes. ConnectOne Bank is an FDIC-insured institution (FDIC certificate #57919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is ConnectOne Bank's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has ConnectOne Bank ever failed?

There is no failure record for FDIC certificate #57919 in the FDIC failed bank list.

How many branches does ConnectOne Bank have?

57 offices as of the latest FDIC data, in 3 states.

Nearby

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