TellerScore

Headquartered in Newark, New Jersey, Lusitania Savings Bank is a si with $418.1M in total assets and $353.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1995.

Based on its Q2 2026 filing, Lusitania Savings Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 2nd. Its strongest component is capital cushion (100/100; 14.97%), and its lowest is earnings (39/100; 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 14.97%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 63.9% · 7.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.68%

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 rose 2 points (84 → 86), mostly because the earnings component improved by 5 points.

TellerScore
808386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202481
Q1 202582
Q2 202584
Q3 202585
Q4 202585
Q1 202686
Q2 202686
Tier 1 leverage ratio
5.00%10.26%15.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.41%
Q3 202415.35%
Q4 202415.52%
Q1 202515.50%
Q2 202515.30%
Q3 202515.39%
Q4 202515.22%
Q1 202615.05%
Q2 202614.97%
Noncurrent loans
0.17%0.32%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.47%
Q4 20240.42%
Q1 20250.41%
Q2 20250.17%
Q3 20250.19%
Q4 20250.19%
Q1 20260.19%
Q2 20260.19%
Return on assets
0.20%0.34%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.24%
Q4 20240.21%
Q1 20250.32%
Q2 20250.35%
Q3 20250.42%
Q4 20250.37%
Q1 20260.48%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$418.1M14.97%0.19%0.48%63.9%
Q1 202686$411.3M15.05%0.19%0.48%64.3%
Q4 202585$403.7M15.22%0.19%0.37%65.6%
Q3 202585$394.9M15.39%0.19%0.42%68.6%
Q2 202584$394.3M15.30%0.17%0.35%67.2%
Q1 202582$390.3M15.50%0.41%0.32%68.6%
Q4 202481$381.5M15.52%0.42%0.21%70.4%
Q3 202480$385.3M15.35%0.47%0.24%70.9%
Q2 202482$388.9M15.41%0.23%0.20%69.9%

2,650 peers · $100 million – $1 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 ratio14.97%
87th
Total risk-based capital35.99%
98th
Problem loans0.19%
66th
Net charge-offs0.00%
68th
Return on assets0.48%
12th
Net interest margin2.42%
3rd
Efficiency ratio72.6%
24th
Loans to deposits63.9%
78th
Uninsured deposits7.3%
97th
Loan-loss reserves1.16%
46th
Texas ratio0.7%
74th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Haddon Savings BankBank Haddon Heights, NJ58 out of 100, Moderate$421.4M8.3%0.24%vs
The First National Bank of ElmerBank Elmer, NJ58 out of 100, Moderate$407.8M10.0%1.14%vs
Ascendia BankBank Glen Rock, NJ62 out of 100, Moderate$395.3M9.3%0.13%vs
United Roosevelt Savings BankBank Carteret, NJ57 out of 100, Moderate$381.2M9.1%0.03%vs
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs
1st Bank of Sea Isle CityBank Sea Isle City, NJ62 out of 100, Moderate$311.1M9.7%0.00%vs

Deposit insurance

Is my money safe at Lusitania Savings Bank?

Yes. Lusitania Savings Bank is an FDIC-insured institution (FDIC certificate #34058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.3% of deposits ($25.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.99% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Lusitania Savings Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lusitania Savings Bank reported 75 home-loan applications under HMDA (LEI 549300SXHTIGZ7X3CS43): 57 originated ($27,255,000 total), 4 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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
Lusitania Savings Bank
Former names
Lusitania Savings Bank, FSB
Type
SI
FDIC certificate #
34058
RSSD ID
385686
Primary regulator
FDIC
Holding company
Lusitania Financial Mhc
Established
September 1, 1995
Headquarters
107 Pulaski St, Newark, NJ 07105
Employees
42

Quick answers

Lusitania Savings Bank: common questions

Is Lusitania Savings Bank FDIC insured?

Yes. Lusitania Savings Bank is an FDIC-insured institution (FDIC certificate #34058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Lusitania Savings Bank's TellerScore?

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

Has Lusitania Savings Bank ever failed?

There is no failure record for FDIC certificate #34058 in the FDIC failed bank list.

How many branches does Lusitania Savings Bank have?

4 offices as of the latest FDIC data.

Nearby

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