TellerScore

Schuyler Savings Bank is a si headquartered in Kearny, New Jersey, in business for about 102 years. At the end of Q2 2026 it reported $151.2M in total assets and $118.0M in deposits, with 2 offices.

Based on its Q2 2026 filing, Schuyler Savings Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 16th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is earnings (28/100; 0.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.07%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings28/100
Return on assets (annualized): 0.20%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 107.6% · 11.4% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.07%

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 (72 → 72).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202468
Q1 202569
Q2 202572
Q3 202573
Q4 202571
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%10.17%15.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.33%
Q3 202415.10%
Q4 202414.88%
Q1 202514.85%
Q2 202514.91%
Q3 202515.07%
Q4 202514.43%
Q1 202613.95%
Q2 202614.07%
Noncurrent loans
0.36%0.66%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.97%
Q3 20240.93%
Q4 20240.88%
Q1 20250.88%
Q2 20250.57%
Q3 20250.56%
Q4 20250.43%
Q1 20260.44%
Q2 20260.36%
Return on assets
-0.14%0.03%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.14%
Q3 2024-0.14%
Q4 2024-0.11%
Q1 20250.05%
Q2 20250.07%
Q3 20250.13%
Q4 20250.18%
Q1 20260.21%
Q2 20260.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$151.2M14.07%0.36%0.20%107.6%
Q1 202671$149.7M13.95%0.44%0.21%104.3%
Q4 202571$147.4M14.43%0.43%0.18%109.1%
Q3 202573$138.4M15.07%0.56%0.13%102.2%
Q2 202572$138.0M14.91%0.57%0.07%104.6%
Q1 202569$139.2M14.85%0.88%0.05%105.0%
Q4 202468$139.0M14.88%0.88%-0.11%105.1%
Q3 202467$137.8M15.10%0.93%-0.14%105.5%
Q2 202466$136.4M15.33%0.97%-0.14%110.2%

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 ratio14.07%
82nd
Total risk-based capital0.00%
24th
Problem loans0.36%
53rd
Net charge-offs0.00%
68th
Return on assets0.20%
6th
Net interest margin2.60%
4th
Efficiency ratio90.9%
5th
Loans to deposits107.6%
4th
Uninsured deposits11.4%
91st
Loan-loss reserves0.81%
11th
Texas ratio2.1%
57th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
GSL Savings BankBank Guttenberg, NJ53 out of 100, Below average$151.2M7.5%0.22%vs
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
The First National Bank of AbseconBank Absecon, NJ70 out of 100, Strong$195.0M10.2%0.06%vs
Liberty Bank of New JerseyBank Verona, NJ73 out of 100, Strong$107.4M50.5%0.00%vs
The Pennsville National BankBank Pennsville, NJ66 out of 100, Moderate$281.8M10.2%1.41%vs

Deposit insurance

Is my money safe at Schuyler Savings Bank?

Yes. Schuyler Savings Bank is an FDIC-insured institution (FDIC certificate #30072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.4% of deposits ($13.5M) 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 14.07%, 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%).

Check how much of your own balance is covered

2 locations

Branches

Schuyler Savings Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Schuyler Savings Bank
Former names
Schuyler Savings Bank, SLA; Schuyler Savings and Loan Association of Kearny New Jersey
Type
SI
FDIC certificate #
30072
RSSD ID
657178
Primary regulator
FDIC
Established
January 1, 1924
Headquarters
24 Davis Ave, Kearny, NJ 07032
Employees
14

Quick answers

Schuyler Savings Bank: common questions

Is Schuyler Savings Bank FDIC insured?

Yes. Schuyler Savings Bank is an FDIC-insured institution (FDIC certificate #30072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Schuyler Savings Bank's TellerScore?

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

Has Schuyler Savings Bank ever failed?

There is no failure record for FDIC certificate #30072 in the FDIC failed bank list.

How many branches does Schuyler Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs