Cross River Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.85 percentage points higher than in Q1 2026, at 31.51%. Cross River Bank ranks 44th of 49 New Jersey banks on return on assets, in the lower half at -0.30% (Q2 2026). Against a median of 1.27% for banks in the $1B-10B asset tier, Cross River Bank reported -0.30% on return on assets in Q2 2026, 1.57 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.78% |
| Equity capital to assets | 12.09% |
| Tangible equity to tangible assets | 12.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.30% |
| Non-performing assets ratio | 3.00% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 14.24% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 31.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.30% |
| Return on equity | -2.46% |
| Net interest margin | 5.13% |
| Efficiency ratio | 87.04% |
| Yield on earning assets | 7.65% |
| Cost of funds | 2.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.99% |
| Core deposits to total deposits | 57.70% |
| Brokered deposits to total deposits | 42.14% |
| Deposits to assets | 78.39% |
| Securities to assets | 16.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.03% | -2.91% | 5.19% | 1.95% | 0.80% |
| Q4 2023 | 12.66% | 0.47% | 6.17% | 2.01% | 1.39% |
| Q1 2024 | 12.34% | 0.11% | 5.66% | 2.16% | 0.63% |
| Q2 2024 | 11.90% | 0.37% | 5.75% | 2.29% | 0.59% |
| Q3 2024 | 12.28% | 0.68% | 5.37% | 2.70% | 0.49% |
| Q4 2024 | 13.01% | 0.58% | 5.39% | 2.65% | 0.58% |
| Q1 2025 | 12.87% | 0.87% | 5.56% | 2.57% | 1.77% |
| Q2 2025 | 12.84% | 0.23% | 5.05% | 2.79% | 0.30% |
| Q3 2025 | 13.06% | 0.19% | 5.43% | 2.47% | 1.74% |
| Q4 2025 | 13.49% | -0.16% | 5.47% | 7.50% | 0.38% |
| Q1 2026 | 12.82% | 0.57% | 5.04% | 5.93% | 5.64% |
| Q2 2026 | 11.78% | -0.30% | 5.13% | 4.30% | 0.22% |
Cross River Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cross River Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cross River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58410) · FFIEC NIC profile (RSSD 3783313)