LSB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
LSB Community Bank is an FDIC-insured savings bank headquartered in Newark, NJ, established in 1995 (FDIC certificate 34058), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $418.1M, up 6.0% from Q2 2025, the 36th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 34.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34058
- Headquarters
- Newark, NJ
- Established
- 1995
- Total assets, Q2 2026
- $418.1M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 34.73%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 221283347
- Holding company
- LUSITANIA FINANCIAL, MHC
- Asset rank in state
- 36th of 49 in New Jersey
LSB Community Bank, based in Newark, New Jersey, reported $418 million in assets at June 30, 2026, up 6.0% from a year earlier. It returns 3.3% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.41 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $494,000, 32% above the same quarter a year earlier. Over the same year, loans grew 1.5% and deposits grew 6.7%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, LSB Community Bank reported a CET1 capital ratio of 34.73%, a return on assets of 0.48%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.68%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, LSB Community Bank is the 36th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $418.1M, loans rose 1.3% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 90.3% of total loans, followed by non-owner-occupied commercial real estate loans at 4.6%. Its 4 offices in the FDIC Summary of Deposits are in Newark, NJ, Hillside, NJ and Harrison, NJ; its Newark 2 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, LSB Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 Pulaski St, Newark, NJ 07105
- County
- Essex
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1995
- Former names
- Lusitania Savings Bank (2012); Lusitania Savings Bank, FSB (2011-2012)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $353.5M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $413.2M
- Average total loans
- $227.7M
- Average interest-bearing deposits
- $288.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 1995
- FDIC Cert
- 34058
- Fed RSSD
- 385686
- Website
- www.lusitaniabank.com →
- Parent Holding Company
- LUSITANIA FINANCIAL, MHC (RSSD 3789986)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
LSB Community Bank's total assets moved between a low of $379.8M (Q3 2023) and a high of $418.1M (Q2 2026) 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
$418.1M total assets against $394.3M; $358.1M total liabilities against $336.3M.
$226.1M net loans and leases against $222.7M; $353.5M total deposits against $331.4M.
$129.7M securities against $117.7M; $39.5M cash and balances due against $32.0M.
$3.9M total interest income against $3.4M; $1.6M total interest expense against $1.4M.
$2.4M net interest income against $2.1M.
$167K total noninterest income against $140K; $1.8M total noninterest expense against $1.7M.
$25K provision for credit losses against $25K.
$494K net income against $373K.
0.48% return on assets against 0.38%; 2.41% net interest margin against 2.23%.
34.73% CET1 capital ratio against 32.66%; 14.97% tier 1 leverage ratio against 15.30%.
Inside the full LSB Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLSB Community Bank rankings
Its closest position to the top of a national ranking is 41 of 2,134, for CET1 ratio; its furthest is 3,266 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.12% (Q4 2024) to 0.54% (Q3 2025) and its net interest margin ran from 1.92% (Q3 2024) to 2.48% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 34.73% | 0.48% | 0.19% | 0.68% | 2.41% |
| Q1 2026 | 35.14% | 0.48% | 0.19% | 0.68% | 2.38% |
| Q4 2025 | 35.13% | 0.23% | 0.19% | 0.69% | 2.32% |
| Q3 2025 | 33.87% | 0.54% | 0.19% | 0.72% | 2.48% |
| Q2 2025 | 32.66% | 0.38% | 0.17% | 0.65% | 2.23% |
| Q1 2025 | 32.65% | 0.32% | 0.41% | 1.56% | 2.08% |
| Q4 2024 | 32.81% | 0.12% | 0.42% | 1.62% | 2.01% |
| Q3 2024 | 32.54% | 0.32% | 0.47% | 1.79% | 1.92% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Lusitania Savings Bank | Newark , NJ | 07105 | $171.9M |
| Liberty Avenue Branch | Hillside , NJ | 07205 | $63.0M |
| Newark Branch | Newark , NJ | 07105 | $59.5M |
| Harrison Branch | Harrison , NJ | 07029 | $59.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 58 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 57 loans originated, $27.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 LSB Community Bank
What are LSB Community Bank's total assets?
As of the Q2 2026 filing, LSB Community Bank reported total assets of $418.1 million in its FFIEC call report.
Where is LSB Community Bank headquartered?
It is headquartered in Newark, NJ, United States.
When was LSB Community Bank founded?
It was established in 1995, per the FDIC institution directory.
Is LSB Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #34058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates LSB Community Bank?
LSB Community Bank's primary federal regulator is the FDIC.
What is LSB Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 34.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does LSB Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is LSB Community Bank's Texas Ratio?
Its Texas Ratio is 0.68% 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.
What was LSB Community Bank previously called?
The charter now named LSB Community Bank has also operated as Lusitania Savings Bank (2012), Lusitania Savings Bank, FSB (2011-2012), per FDIC structure-change records.
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