New Jersey · Q2 2026
Middlesex County, New Jersey
Banks under $100B in assets hold 23% of deposits in Middlesex County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
37% of Middlesex 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 81%.
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Banks behind this number
30 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| United Roosevelt Savings Bank | Carteret, NJ | $0.4B | Below | — | 100.0% |
| Magyar Bank | New Brunswick, NJ | $1.0B | Below | — | 85.5% |
| Amboy Bank | Old Bridge, NJ | $3.1B | Concentrated | 300%+, growth test not met | 69.2% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 21.0% |
| Unity Bank | Clinton, NJ | $3.2B | Below | — | 18.8% |
| BCB Community Bank | Bayonne, NJ | $3.1B | Concentrated | 300%+, growth test not met | 17.5% |
| Northfield Bank | Staten Island, NY | $5.5B | Concentrated | 300%+, growth test not met | 14.7% |
| Columbia Bank | Fair Lawn, NJ | $12B | Concentrated | 300%+, growth test not met | 12.7% |
| New Millennium Bank | Fort Lee, NJ | $0.9B | Below | — | 12.1% |
| Manasquan Bank | Manasquan, NJ | $3.6B | Concentrated | 300%+, growth test not met | 11.3% |
| Habib American Bank | New York, NY | $2.8B | Above threshold | C2 | 9.9% |
| Somerset Regal Bank | Bound Brook, NJ | $1.2B | Below | — | 7.6% |
| Abacus Federal Savings Bank | New York, NY | $0.3B | Below | — | 6.4% |
| The Bank of Princeton | Princeton, NJ | $2.3B | Concentrated | 300%+, growth test not met | 5.2% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 5.2% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 4.2% |
| Crown Bank | Elizabeth, NJ | $0.6B | Below | — | 3.6% |
| Mid Penn Bank | Millersburg, PA | $7.0B | Concentrated | 300%+, growth test not met | 2.9% |
| CTBC Bank Corp. (USA) | Los Angeles, CA | $5.9B | Below | — | 2.9% |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4.0B | Concentrated | 300%+, growth test not met | 2.3% |
| Peoples Security Bank and Trust Company | Dunmore, PA | $5.4B | Below | — | 1.6% |
| Cathay Bank | Los Angeles, CA | $25B | Below | — | 1.5% |
| Blue Foundry Bank | Rutherford, NJ | $1.9B | Below | — | 1.5% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 1.2% |
| Royal Business Bank | Los Angeles, CA | $4.3B | Below | — | 1.0% |
| Popular Bank | New York, NY | $15B | Concentrated | 300%+, growth test not met | 0.7% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 0.6% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 0.5% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 0.4% |
| Apple Bank | New York, NY | $20B | Concentrated | 300%+, growth test not met | 0.3% |
- Carteret, NJ$0.4B—100.0% of bank deposits
- Magyar BankBelowNew Brunswick, NJ$1.0B—85.5% of bank deposits
- Amboy BankConcentratedOld Bridge, NJ$3.1B300%+, growth test not met69.2% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC221.0% of bank deposits
- Unity BankBelowClinton, NJ$3.2B—18.8% of bank deposits
- BCB Community BankConcentratedBayonne, NJ$3.1B300%+, growth test not met17.5% of bank deposits
- Northfield BankConcentratedStaten Island, NY$5.5B300%+, growth test not met14.7% of bank deposits
- Columbia BankConcentratedFair Lawn, NJ$12B300%+, growth test not met12.7% of bank deposits
- New Millennium BankBelowFort Lee, NJ$0.9B—12.1% of bank deposits
- Manasquan BankConcentratedManasquan, NJ$3.6B300%+, growth test not met11.3% of bank deposits
- Habib American BankAbove thresholdNew York, NY$2.8BC29.9% of bank deposits
- Somerset Regal BankBelowBound Brook, NJ$1.2B—7.6% of bank deposits
- New York, NY$0.3B—6.4% of bank deposits
- The Bank of PrincetonConcentratedPrinceton, NJ$2.3B300%+, growth test not met5.2% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met5.2% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, growth test not met4.2% of bank deposits
- Crown BankBelowElizabeth, NJ$0.6B—3.6% of bank deposits
- Mid Penn BankConcentratedMillersburg, PA$7.0B300%+, growth test not met2.9% of bank deposits
- Los Angeles, CA$5.9B—2.9% of bank deposits
- Spencer Savings Bank, SLAConcentratedElmwood Park, NJ$4.0B300%+, growth test not met2.3% of bank deposits
- Dunmore, PA$5.4B—1.6% of bank deposits
- Cathay BankBelowLos Angeles, CA$25B—1.5% of bank deposits
- Blue Foundry BankBelowRutherford, NJ$1.9B—1.5% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, growth test not met1.2% of bank deposits
- Royal Business BankBelowLos Angeles, CA$4.3B—1.0% of bank deposits
- Popular BankConcentratedNew York, NY$15B300%+, growth test not met0.7% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met0.6% of bank deposits
- Lancaster, PA$33B—0.5% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC20.4% of bank deposits
- Apple BankConcentratedNew York, NY$20B300%+, growth test not met0.3% 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
3 of the 30 banks under $100B in assets with a branch in Middlesex County are above a regulatory CRE concentration threshold, and together they hold 37% of the county deposits this report covers. Another 14 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 81%. 1 more sits within one quarter of a threshold.
Coverage is 23%: the rest of the deposits in Middlesex 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.