New Jersey · Q2 2026
Ocean County, New Jersey
60% of Ocean 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 92%.
Rated on 25.2% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.
Hover or tap a county for its grade.
Banks behind this number
11 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Manasquan Bank | Manasquan, NJ | $3.6B | Concentrated | 300%+, growth test not met | 28.2% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 26.4% |
| First Commerce Bank | Lakewood, NJ | $2.0B | Concentrated | 300%+, growth test not met | 17.8% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 12.2% |
| Crown Bank | Elizabeth, NJ | $0.6B | Below | — | 5.7% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 5.2% |
| The Bank of Princeton | Princeton, NJ | $2.3B | Concentrated | 300%+, growth test not met | 5.0% |
| Unity Bank | Clinton, NJ | $3.2B | Below | — | 3.2% |
| Fulton Bank, National Association | Lancaster, PA | $33B | Below | — | 1.5% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 0.3% |
| Apple Bank | New York, NY | $20B | Concentrated | 300%+, growth test not met | 0.0% |
- Manasquan BankConcentratedManasquan, NJ$3.6B300%+, growth test not met28.2% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC226.4% of bank deposits
- First Commerce BankConcentratedLakewood, NJ$2.0B300%+, growth test not met17.8% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met12.2% of bank deposits
- Crown BankBelowElizabeth, NJ$0.6B—5.7% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC25.2% of bank deposits
- The Bank of PrincetonConcentratedPrinceton, NJ$2.3B300%+, growth test not met5.0% of bank deposits
- Unity BankBelowClinton, NJ$3.2B—3.2% of bank deposits
- Lancaster, PA$33B—1.5% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met0.3% of bank deposits
- Apple BankConcentratedNew York, NY$20B300%+, growth test not met0.0% 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 11 banks under $100B in assets with a branch in Ocean County are above a regulatory CRE concentration threshold, and together they hold 60% of the county deposits this report covers. Another 6 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 92%. 2 more sit within one quarter of a threshold.
Coverage is 25.2%: the rest of the deposits in Ocean 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.