New Jersey · Q2 2026
Mercer County, New Jersey
Banks under $100B in assets hold 18% of deposits in Mercer County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
12% of Mercer County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 59%.
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Banks behind this number
12 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Cenlar FSB Fewer than 12 quarters of history; criterion 2 not evaluated | Ewing, NJ | $0.8B | Below | — | 100.0% |
| The Bank of Princeton | Princeton, NJ | $2.3B | Concentrated | 300%+, growth test not met | 35.1% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 21.6% |
| Northfield Bank | Staten Island, NY | $5.5B | Concentrated | 300%+, growth test not met | 7.3% |
| First Commerce Bank | Lakewood, NJ | $2.0B | Concentrated | 300%+, growth test not met | 5.2% |
| Customers Bank | Malvern, PA | $27B | Below | — | 4.9% |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4.0B | Concentrated | 300%+, growth test not met | 2.4% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 2.1% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 1.9% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 1.5% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 0.9% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 0.1% |
- Cenlar FSBBelowEwing, NJ$0.8B—100.0% of bank depositsFewer than 12 quarters of history; criterion 2 not evaluated
- The Bank of PrincetonConcentratedPrinceton, NJ$2.3B300%+, growth test not met35.1% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met21.6% of bank deposits
- Northfield BankConcentratedStaten Island, NY$5.5B300%+, growth test not met7.3% of bank deposits
- First Commerce BankConcentratedLakewood, NJ$2.0B300%+, growth test not met5.2% of bank deposits
- Customers BankBelowMalvern, PA$27B—4.9% of bank deposits
- Spencer Savings Bank, SLAConcentratedElmwood Park, NJ$4.0B300%+, growth test not met2.4% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met2.1% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC21.9% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC21.5% of bank deposits
- Lancaster, PA$33B—0.9% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met0.1% 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
2 of the 12 banks under $100B in assets with a branch in Mercer County are above a regulatory CRE concentration threshold, and together they hold 12% of the county deposits this report covers. Another 7 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 59%. 1 more sits within one quarter of a threshold.
Coverage is 18%: the rest of the deposits in Mercer 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.