Sturdy Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Sturdy Savings Bank is an FDIC-insured savings bank headquartered in Stone Harbor, NJ, established in 1922 (FDIC certificate 28788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.14B, up 1.2% from Q2 2025, the 22nd largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 16.31% 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
- 28788
- Headquarters
- Stone Harbor, NJ
- Established
- 1922
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 16.31%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 231271284
- Latest call report
- Q2 2026, FFIEC 051 · Sturdy Savings Bank call report
- Holding company
- STURDY BANCORP, INC.
- Asset rank in state
- 22nd of 49 in New Jersey
Sturdy Savings Bank, based in Stone Harbor, New Jersey, reported $1.1 billion in assets at June 30, 2026, up 1.2% from a year earlier. It pays an average of 0.82% on its deposits and borrowings, about a third the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 1.0% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $2.3 million, 96% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 13% of Tier 1 capital, down from 21% a year earlier. Profitability lags: it earns about $0.81 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Sturdy Savings Bank reported a CET1 capital ratio of 16.31%, a return on assets of 0.81%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sturdy Savings Bank is the 22nd largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $1.14B, loans fell 0.1% and deposits rose 2.3%. 1-4 family residential loans made up 49.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.5%. The FDIC Summary of Deposits lists 13 offices for it, in 12 cities in NJ; its Cape May Court House office books 17% of its branch deposits. Judged on its Q2 2026 call report, Sturdy Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9417 3rd Ave, Stone Harbor, NJ 08247
- County
- Cape May
- Metro Area
- Atlantic City-Hammonton, 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 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 152
- Domestic deposits
- $1.02B
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $1.16B
- Average total loans
- $654.5M
- Average interest-bearing deposits
- $816.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28788
- Fed RSSD
- 391977
- Website
- www.sturdyonline.com →
- Parent Holding Company
- STURDY BANCORP, INC. (RSSD 6034007)
- Ultimate Parent
- STURDY BANCORP, MHC (RSSD 6033998)
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
From Q3 2023 to Q2 2026, Sturdy Savings Bank's total assets ranged from $1.12B (Q1 2026) to $1.25B (Q3 2023), 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
$1.14B total assets against $1.13B; $1.05B total liabilities against $1.05B.
$644.9M net loans and leases against $628.9M; $1.02B total deposits against $989.4M.
$365.3M securities against $398.1M; $53.6M cash and balances due against $23.3M.
$11.7M total interest income against $10.7M; $2.1M total interest expense against $2.7M.
$9.6M net interest income against $7.9M.
$1.2M total noninterest income against $1.2M; $7.7M total noninterest expense against $7.5M.
-$60K provision for credit losses against $49K.
$2.3M net income against $1.2M.
0.81% return on assets against 0.41%; 3.72% net interest margin against 3.08%.
16.31% CET1 capital ratio against 15.22%; 9.68% tier 1 leverage ratio against 8.98%.
Inside the full Sturdy 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Sturdy Savings Bank rankings
Its closest position to the top of a national ranking is 918 of 4,196, for total assets; its furthest is 2,875 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q4 2024) to 0.81% (Q2 2026) and its net interest margin ran from 2.86% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.31% | 0.81% | 0.15% | 0.99% | 3.72% |
| Q1 2026 | 16.11% | 0.66% | 0.15% | 1.09% | 3.48% |
| Q4 2025 | 16.14% | 0.55% | 0.06% | 0.39% | 3.40% |
| Q3 2025 | 16.06% | 0.75% | 0.06% | 0.41% | 3.35% |
| Q2 2025 | 15.22% | 0.41% | 0.06% | 0.43% | 3.08% |
| Q1 2025 | 15.07% | 0.34% | 0.29% | 2.30% | 2.98% |
| Q4 2024 | 15.10% | 0.28% | 0.31% | 2.39% | 2.94% |
| Q3 2024 | 15.06% | 0.36% | 0.11% | 0.88% | 2.86% |
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 |
|---|---|---|---|
| Cape May Courthouse Branch | Cape May Court House , NJ | 08210 | $171.1M |
| Cape May Branch | Cape May , NJ | 08204 | $155.7M |
| North Cape May Branch | North Cape May , NJ | 08204 | $112.7M |
| Avalon Branch | Avalon , NJ | 08202 | $104.0M |
| Sturdy Savings Bank (main office) | Stone Harbor , NJ | 08247 | $79.4M |
| Dennisville Branch | Dennisville , NJ | 08214 | $77.3M |
| North Wildwood Branch | North Wildwood , NJ | 08260 | $62.4M |
| Somers Point Branch | Somers Point , NJ | 08244 | $47.7M |
| Tuckahoe Branch | Woodbine , NJ | 08270 | $46.8M |
| Rio Grande Branch | Rio Grande , NJ | 08242 | $46.2M |
| Asbury Avenue Branch | Ocean City , NJ | 08226 | $41.6M |
| Marmora Branch | Marmora , NJ | 08223 | $39.8M |
| Ocean City Branch | Ocean City , NJ | 08226 | $38.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NJ, rank 39 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 166 applications, 138 loans originated, $77.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Sturdy Savings Bank
What are Sturdy Savings Bank's total assets?
As of the Q2 2026 filing, Sturdy Savings Bank reported total assets of $1.14 billion in its FFIEC call report.
Where is Sturdy Savings Bank headquartered?
It is headquartered in Stone Harbor, NJ, United States.
When was Sturdy Savings Bank founded?
It was established in 1922, per the FDIC institution directory.
Is Sturdy Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sturdy Savings Bank?
Sturdy Savings Bank's primary federal regulator is the FDIC.
What is Sturdy Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sturdy Savings 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 Sturdy Savings Bank's Texas Ratio?
Its Texas Ratio is 0.99% 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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