Crown Bank (Elizabeth, NJ)
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Data as of · sourced from FFIEC call reports. How we update
Crown Bank is an FDIC-insured commercial bank headquartered in Elizabeth, NJ, established in 1998 (FDIC certificate 34259), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $614.3M, down 6.9% from Q2 2025, the 33rd largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34259
- Headquarters
- Elizabeth, NJ
- Established
- 1998
- Total assets, Q2 2026
- $614.3M
- Assets vs Q2 2025
- -6.9%
- Tier 1 leverage ratio, Q2 2026
- 26.11%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 021214888
- Asset rank in state
- 33rd of 49 in New Jersey
Crown Bank is one of the more profitable banks of its size. Based in Elizabeth, New Jersey, it had $614 million in assets at June 30, 2026, down 6.9% from a year earlier. It earns about $2.49 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 5.76% of loans, down from 8.66% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 0.5% and deposits fell 10.5%. Credit is the area to watch: it carries problem assets equal to 27.1% of the capital and reserves that would absorb them, 10.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Crown Bank reported a return on assets of 2.49%, a nonperforming-loan ratio of 5.77% and a Texas ratio of 27.07%. The figures come from its call report filed with the FFIEC.
Crown Bank ranks as the 33rd largest of the 49 banks based in New Jersey, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.5% to $614.3M, loans rose 3.7% and deposits fell 6.5%. Non-owner-occupied commercial real estate loans made up 44.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 34.2%. Its 13 offices in the FDIC Summary of Deposits are in 11 cities in NJ; its Elizabeth 2 offices book 36% of its branch deposits. Judged on its Q2 2026 call report, Crown Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Westminster Ave, Elizabeth, NJ 07208
- County
- Union
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 13, 1998
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $428.3M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $624.9M
- Average total loans
- $512.0M
- Average interest-bearing deposits
- $323.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 13, 1998
- FDIC Cert
- 34259
- Fed RSSD
- 2686211
- Website
- www.crownbank.net →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Crown Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Crown Bank's total assets moved between a low of $559.1M (Q3 2023) and a high of $661.2M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$614.3M total assets against $660.0M; $450.2M total liabilities against $501.3M.
$519.7M net loans and leases against $517.4M; $428.3M total deposits against $478.3M.
$19.5M securities against $22.1M; $25.4M cash and balances due against $79.6M.
$9.6M total interest income against $11.2M; $2.4M total interest expense against $3.0M.
$7.1M net interest income against $8.2M.
$736K total noninterest income against $899K; $3.4M total noninterest expense against $3.2M.
$201K provision for credit losses against $22K.
$3.9M net income against $5.3M.
2.49% return on assets against 3.23%; 4.96% net interest margin against 5.30%.
26.11% tier 1 leverage ratio against 24.09%.
Inside the full Crown Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Crown Bank rankings
Its closest position to the top of a national ranking is 80 of 3,640, for Texas Ratio; its furthest is 1,523 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.15% (Q1 2026) to 3.82% (Q4 2024) and its net interest margin ran from 4.58% (Q4 2025) to 6.19% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.11% | 2.49% | 5.77% | 27.07% | 4.96% |
| Q1 2026 | 25.26% | 2.15% | 6.06% | 27.57% | 4.65% |
| Q4 2025 | 25.07% | 3.15% | 8.14% | 29.09% | 4.58% |
| Q3 2025 | 24.86% | 3.79% | 8.04% | 28.97% | 6.19% |
| Q2 2025 | 24.09% | 3.23% | 8.67% | 32.12% | 5.30% |
| Q1 2025 | 23.76% | 3.45% | 9.13% | 34.07% | 5.15% |
| Q4 2024 | 24.66% | 3.82% | 9.07% | 34.52% | 4.86% |
| Q3 2024 | 24.04% | 2.90% | 10.18% | 38.94% | 4.97% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Crown Bank (main office) | Elizabeth , NJ | 07208 | $123.7M |
| Ironbound Branch | Newark , NJ | 07105 | $101.7M |
| Harrison Branch | Harrison , NJ | 07029 | $45.7M |
| Cranford Branch | Cranford , NJ | 07016 | $35.6M |
| Elizabeth Branch | Elizabeth , NJ | 07202 | $28.9M |
| Brick Branch | Brick , NJ | 08723 | $22.4M |
| Kearny Branch | Kearny , NJ | 07032 | $17.2M |
| West New York Branch | West New York , NJ | 07093 | $16.5M |
| Linwood Branch | Linwood , NJ | 08221 | $10.3M |
| Ferry Street Newark Branch | Newark , NJ | 07105 | $9.3M |
| Dunellen Branch | Dunellen , NJ | 08812 | $8.6M |
| Clifton Branch | Clifton , NJ | 07011 | $5.7M |
| Washington Valley Branch | Warren , NJ | 07059 | $2.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2009 | Structure Change | Acquired First Bankamericano Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 4 against individuals associated with it
- February 19, 2008, OCC: Civil Money Penalty (CMP): Crown Bank, National Association
- June 20, 2005, OCC: Formal Agreement: Crown Bank, National Association
- Period: Most recent institution action February 19, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NJ, rank 56 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $104K approved, $104K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Crown Bank
What are Crown Bank's total assets?
As of the Q2 2026 filing, Crown Bank reported total assets of $614.3 million in its FFIEC call report.
Where is Crown Bank headquartered?
It is headquartered in Elizabeth, NJ, United States.
When was Crown Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Crown Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Crown Bank?
Crown Bank's primary federal regulator is the FDIC.
How many branches does Crown Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Crown Bank's Texas Ratio?
Its Texas Ratio is 27.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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