Schuyler Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Schuyler Savings Bank is an FDIC-insured savings bank headquartered in Kearny, NJ, established in 1924 (FDIC certificate 30072), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $151.2M, up 9.6% from Q2 2025, the 45th largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30072
- Headquarters
- Kearny, NJ
- Established
- 1924
- Total assets, Q2 2026
- $151.2M
- Assets vs Q2 2025
- +9.6%
- Tier 1 leverage ratio, Q2 2026
- 14.07%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 221270677
- Latest call report
- Q2 2026, FFIEC 051 · Schuyler Savings Bank call report
- Asset rank in state
- 45th of 49 in New Jersey
Schuyler Savings Bank spends more to run itself than most banks of its size. The Kearny, New Jersey bank had $151 million in assets at June 30, 2026, up 9.6% from a year earlier. It earns about $0.18 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $69,000, 97% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.36% of loans, down from 0.57% a year earlier. Its margin is thin by comparison: it keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Schuyler Savings Bank reported a return on assets of 0.18%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Schuyler Savings Bank is the 45th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $151.2M, loans rose 4.3% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 80.7% of total loans, followed by multifamily loans at 9.2%. The FDIC Summary of Deposits lists 2 offices for it, in Kearny, NJ and Harrison, NJ; its Kearny office books 87% of its branch deposits. Judged on its Q2 2026 call report, Schuyler Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 24 Davis Ave, Kearny, NJ 07032
- County
- Hudson
- 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
- January 1, 1924
- Former names
- Schuyler Savings Bank, SLA (1988-1994)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $118.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $149.2M
- Average total loans
- $125.7M
- Average interest-bearing deposits
- $110.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30072
- Fed RSSD
- 657178
- Website
- www.schuylersavings.com →
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, Schuyler Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Schuyler Savings Bank's total assets ran between $135.4M (Q1 2024) and $151.2M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$151.2M total assets against $138.0M; $130.1M total liabilities against $117.1M.
$127.0M net loans and leases against $112.2M; $118.0M total deposits against $107.3M.
$7.9M securities against $7.8M; $9.8M cash and balances due against $11.7M.
$1.8M total interest income against $1.5M; $799K total interest expense against $783K.
$956K net interest income against $765K.
$44K total noninterest income against $43K; $918K total noninterest expense against $773K.
$0 provision for credit losses against $0.
$69K net income against $35K.
0.18% return on assets against 0.10%; 2.60% net interest margin against 2.31%.
14.07% tier 1 leverage ratio against 14.91%.
Inside the full Schuyler Savings 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.
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.
Schuyler Savings Bank rankings
Its closest position to the top of a national ranking is 2,239 of 3,640, for Texas Ratio; its furthest is 3,491 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.13% (Q3 2024) to 0.34% (Q4 2025) and its net interest margin ran from 1.93% (Q3 2024) to 2.73% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.07% | 0.18% | 0.36% | 2.07% | 2.60% |
| Q1 2026 | 13.95% | 0.21% | 0.44% | 2.44% | 2.48% |
| Q4 2025 | 14.43% | 0.34% | 0.43% | 2.43% | 2.73% |
| Q3 2025 | 15.07% | 0.23% | 0.56% | 2.80% | 2.54% |
| Q2 2025 | 14.91% | 0.10% | 0.57% | 2.97% | 2.31% |
| Q1 2025 | 14.85% | 0.05% | 0.88% | 4.63% | 2.19% |
| Q4 2024 | 14.88% | -0.01% | 0.88% | 4.61% | 2.15% |
| Q3 2024 | 15.10% | -0.13% | 0.93% | 4.81% | 1.93% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Schuyler Savings Bank (main office) | Kearny , NJ | 07032 | $102.5M |
| Harrison Branch | Harrison , NJ | 07029 | $15.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 78 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Schuyler Savings Bank
What are Schuyler Savings Bank's total assets?
As of the Q2 2026 filing, Schuyler Savings Bank reported total assets of $151.2 million in its FFIEC call report.
Where is Schuyler Savings Bank headquartered?
It is headquartered in Kearny, NJ, United States.
When was Schuyler Savings Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Schuyler Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30072). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Schuyler Savings Bank?
Schuyler Savings Bank's primary federal regulator is the FDIC.
How many branches does Schuyler Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Schuyler Savings Bank's Texas Ratio?
Its Texas Ratio is 2.07% 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.
What was Schuyler Savings Bank previously called?
The charter now named Schuyler Savings Bank has also operated as Schuyler Savings Bank, SLA (1988-1994), per FDIC structure-change records.
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