New Jersey · Q2 2026
Cumberland County, New Jersey
55% of Cumberland County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
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Banks behind this number
6 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Millville Savings Bank | Millville, NJ | $0.2B | Below | — | 100.0% |
| Century Savings Bank | Vineland, NJ | $0.6B | Below | — | 67.5% |
| Newfield National Bank | Newfield, NJ | $0.9B | Below | — | 41.7% |
| The First National Bank of Elmer | Elmer, NJ | $0.4B | Below | — | 14.4% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 12.2% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 0.3% |
- Millville, NJ$0.2B—100.0% of bank deposits
- Century Savings BankBelowVineland, NJ$0.6B—67.5% of bank deposits
- Newfield, NJ$0.9B—41.7% of bank deposits
- Elmer, NJ$0.4B—14.4% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC212.2% of bank deposits
- Lancaster, PA$33B—0.3% 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 6 banks under $100B in assets with a branch in Cumberland County is above a regulatory CRE concentration threshold, and it holds 55% of the county deposits this report covers.
Coverage is 44%: the rest of the deposits in Cumberland 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.