New Jersey · Q2 2026
Union County, New Jersey
7.1% of Union 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 77%.
Rated on 31% 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
20 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Below | — | 100.0% |
| Haven Savings Bank | Hoboken, NJ | $1.0B | Concentrated | 300%+, growth test not met | 27.5% |
| Crown Bank | Elizabeth, NJ | $0.6B | Below | — | 25.1% |
| Northfield Bank | Staten Island, NY | $5.5B | Concentrated | 300%+, growth test not met | 18.1% |
| Lusitania Savings Bank | Newark, NJ | $0.4B | Below | — | 16.2% |
| ConnectOne Bank | Englewood Cliffs, NJ | $14B | Concentrated | 300%+, growth test not met | 14.8% |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4.0B | Concentrated | 300%+, growth test not met | 14.6% |
| Unity Bank | Clinton, NJ | $3.2B | Below | — | 11.5% |
| Columbia Bank | Fair Lawn, NJ | $12B | Concentrated | 300%+, growth test not met | 9.9% |
| Peapack Private Bank & Trust | Bedminster, NJ | $8.0B | Concentrated | 300%+, growth test not met | 6.3% |
| BCB Community Bank | Bayonne, NJ | $3.1B | Concentrated | 300%+, growth test not met | 5.5% |
| Somerset Regal Bank | Bound Brook, NJ | $1.2B | Below | — | 3.4% |
| Popular Bank | New York, NY | $15B | Concentrated | 300%+, growth test not met | 2.7% |
| Provident Bank | Jersey City, NJ | $26B | Above threshold | C2 | 2.0% |
| OceanFirst Bank, National Association | Toms River, NJ | $23B | Above threshold | C2 | 1.7% |
| Kearny Bank | Kearny, NJ | $7.7B | Concentrated | 300%+, growth test not met | 1.5% |
| Valley National Bank | Passaic, NJ | $66B | Concentrated | 300%+, growth test not met | 1.3% |
| Blue Foundry Bank | Rutherford, NJ | $1.9B | Below | — | 0.7% |
| Flagstar Bank, National Association | Hicksville, NY | $88B | Concentrated | 300%+, growth test not met | 0.6% |
| First Bank | Hamilton, NJ | $4.1B | Concentrated | 300%+, growth test not met | 0.3% |
- Elizabeth, NJ$1.5B—100.0% of bank deposits
- Haven Savings BankConcentratedHoboken, NJ$1.0B300%+, growth test not met27.5% of bank deposits
- Crown BankBelowElizabeth, NJ$0.6B—25.1% of bank deposits
- Northfield BankConcentratedStaten Island, NY$5.5B300%+, growth test not met18.1% of bank deposits
- Newark, NJ$0.4B—16.2% of bank deposits
- ConnectOne BankConcentratedEnglewood Cliffs, NJ$14B300%+, growth test not met14.8% of bank deposits
- Spencer Savings Bank, SLAConcentratedElmwood Park, NJ$4.0B300%+, growth test not met14.6% of bank deposits
- Unity BankBelowClinton, NJ$3.2B—11.5% of bank deposits
- Columbia BankConcentratedFair Lawn, NJ$12B300%+, growth test not met9.9% of bank deposits
- Peapack Private Bank & TrustConcentratedBedminster, NJ$8.0B300%+, growth test not met6.3% of bank deposits
- BCB Community BankConcentratedBayonne, NJ$3.1B300%+, growth test not met5.5% of bank deposits
- Somerset Regal BankBelowBound Brook, NJ$1.2B—3.4% of bank deposits
- Popular BankConcentratedNew York, NY$15B300%+, growth test not met2.7% of bank deposits
- Provident BankAbove thresholdJersey City, NJ$26BC22.0% of bank deposits
- OceanFirst Bank, National AssociationAbove thresholdToms River, NJ$23BC21.7% of bank deposits
- Kearny BankConcentratedKearny, NJ$7.7B300%+, growth test not met1.5% of bank deposits
- Valley National BankConcentratedPassaic, NJ$66B300%+, growth test not met1.3% of bank deposits
- Blue Foundry BankBelowRutherford, NJ$1.9B—0.7% of bank deposits
- Flagstar Bank, National AssociationConcentratedHicksville, NY$88B300%+, growth test not met0.6% of bank deposits
- First BankConcentratedHamilton, NJ$4.1B300%+, 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
2 of the 20 banks under $100B in assets with a branch in Union County are above a regulatory CRE concentration threshold, and together they hold 7.1% of the county deposits this report covers. Another 12 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 77%.
Coverage is 31%: the rest of the deposits in Union 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.