New Jersey · Q2 2026

Warren County, New Jersey

ECredit pressureE on a scale where E is the highest pressure and A the lowest

9.6% of Warren 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 30%.

Rated on 38% of county deposits. The remainder sits in banks above the $100B threshold, which this report does not evaluate.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 38% — low

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

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Banks behind this number

5 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
First Hope Bank, A National Banking Association	Hope, NJ	$0.7B	Below	—	56.6%
Unity Bank	Clinton, NJ	$3.2B	Below	—	12.3%
Fulton Bank, National Association	Lancaster, PA	$33B	Below	—	1.3%
Provident Bank	Jersey City, NJ	$26B	Above threshold	C2	0.6%
Valley National Bank	Passaic, NJ	$66B	Concentrated	300%+, growth test not met	0.5%

First Hope Bank, A National Banking AssociationBelow
Hope, NJ$0.7B—56.6% of bank deposits
Unity BankBelow
Clinton, NJ$3.2B—12.3% of bank deposits
Fulton Bank, National AssociationBelow
Lancaster, PA$33B—1.3% of bank deposits
Provident BankAbove threshold
Jersey City, NJ$26BC20.6% of bank deposits
Valley National BankConcentrated
Passaic, NJ$66B300%+, growth test not met0.5% 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 5 banks under $100B in assets with a branch in Warren County is above a regulatory CRE concentration threshold, and it holds 9.6% of the county deposits this report covers. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 30%.

Coverage is 38%: the rest of the deposits in Warren 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.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

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.