Cross River Bank is a state-chartered bank headquartered in Fort Lee, New Jersey, in business for about 18 years. At the end of Q2 2026 it reported $8.5B in total assets and $6.7B in deposits, with 2 offices across 2 states.
Based on its Q2 2026 filing, Cross River Bank scores 42/100, which we describe as below average. That is higher than only 3% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 49th. Its strongest component is problem-loan coverage (70/100; 14.9%), and its lowest is loan quality (7/100; 2.79%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 6 points (48 → 42), mostly because the earnings component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 36 |
| Q3 2024 | 38 |
| Q4 2024 | 40 |
| Q1 2025 | 43 |
| Q2 2025 | 48 |
| Q3 2025 | 51 |
| Q4 2025 | 45 |
| Q1 2026 | 46 |
| Q2 2026 | 42 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.90% |
| Q3 2024 | 12.28% |
| Q4 2024 | 13.01% |
| Q1 2025 | 12.87% |
| Q2 2025 | 12.84% |
| Q3 2025 | 13.06% |
| Q4 2025 | 13.49% |
| Q1 2026 | 12.82% |
| Q2 2026 | 11.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 12.84% |
| Q3 2024 | 11.68% |
| Q4 2024 | 11.40% |
| Q1 2025 | 10.40% |
| Q2 2025 | 3.07% |
| Q3 2025 | 2.63% |
| Q4 2025 | 4.82% |
| Q1 2026 | 3.45% |
| Q2 2026 | 2.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.55% |
| Q2 2026 | 0.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $8.5B | 11.78% | 2.79% | 0.12% | 87.8% |
| Q1 2026 | 46 | $8.7B | 12.82% | 3.45% | 0.55% | 84.0% |
| Q4 2025 | 45 | $8.1B | 13.49% | 4.82% | 0.29% | 83.8% |
| Q3 2025 | 51 | $8.1B | 13.06% | 2.63% | 0.44% | 85.9% |
| Q2 2025 | 48 | $7.9B | 12.84% | 3.07% | 0.57% | 83.9% |
| Q1 2025 | 43 | $8.5B | 12.87% | 10.40% | 0.88% | 93.8% |
| Q4 2024 | 40 | $8.3B | 13.01% | 11.40% | 0.43% | 92.6% |
| Q3 2024 | 38 | $8.4B | 12.28% | 11.68% | 0.39% | 85.7% |
| Q2 2024 | 36 | $8.8B | 11.90% | 12.84% | 0.24% | 91.0% |
897 peers · $1 billion – $10 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).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peapack Private Bank & TrustBank Bedminster, NJ | 53 out of 100, Below average | $8.0B | 9.0% | 1.07% | vs |
| Kearny BankBank Kearny, NJ | 51 out of 100, Below average | $7.7B | 8.8% | 0.81% | vs |
| First BankBank Hamilton, NJ | 59 out of 100, Moderate | $4.1B | 10.2% | 0.86% | vs |
| Spencer Savings Bank, SLABank Elmwood Park, NJ | 61 out of 100, Moderate | $4.0B | 11.2% | 0.58% | vs |
| Sumitomo Mitsui Trust Bank (U.S.A.) LimitedBank Hoboken, NJ | 85 out of 100, Very strong | $3.9B | 12.7% | 0.00% | vs |
| Manasquan BankBank Manasquan, NJ | 59 out of 100, Moderate | $3.6B | 9.7% | 0.64% | vs |
Deposit insurance
Is my money safe at Cross River Bank?
Yes. Cross River Bank is an FDIC-insured institution (FDIC certificate #58410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.3% of deposits ($2.2B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Cross River Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Fort Lee, NJ (1)
- Wilmington, DE (1)
Identity & history
Profile
- Legal name
- Cross River Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58410
- RSSD ID
- 3783313
- Primary regulator
- FDIC
- Holding company
- Crb Group Inc
- Established
- June 23, 2008
- Headquarters
- 2115 Linwood Ave, Fort Lee, NJ 07024
- Website
- www.crossriverbank.com
- Employees
- 938
Quick answers
Cross River Bank: common questions
Is Cross River Bank FDIC insured?
Yes. Cross River Bank is an FDIC-insured institution (FDIC certificate #58410). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cross River Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cross River Bank ever failed?
There is no failure record for FDIC certificate #58410 in the FDIC failed bank list.
How many branches does Cross River Bank have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fort Lee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |