Union County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Union County Savings Bank is an FDIC-insured savings bank headquartered in Elizabeth, NJ, established in 1883 (FDIC certificate 12013), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.48B, down 2.4% from Q2 2025, the 20th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 15.54% 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
- 12013
- Headquarters
- Elizabeth, NJ
- Established
- 1883
- Total assets, Q2 2026
- $1.48B
- Assets vs Q2 2025
- -2.4%
- CET1 ratio, Q2 2026
- 15.54%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 221272329
- Asset rank in state
- 20th of 49 in New Jersey
Problem loans are rising at Union County Savings Bank. Based in Elizabeth, New Jersey, it had $1.5 billion in assets at June 30, 2026, down 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.55% of loans from 0.22% a year earlier. It loses about $1.35 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also pays an average of 3.44% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Its securities portfolio is underwater by $196 million, an amount equal to 152% of Tier 1 capital. It lost $5.7 million in the quarter. Where it has less room is capital: it funds 7.71% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Union County Savings Bank reported a CET1 capital ratio of 15.54%, a return on assets of -1.35%, a nonperforming-loan ratio of 0.91% and a Texas ratio of -7.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Union County Savings Bank is the 20th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $1.48B, loans rose 2.2% and deposits rose 0.1%. 1-4 family residential loans made up 55.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.1%. The FDIC Summary of Deposits lists 4 offices for it, in Union, NJ, Elizabeth, NJ and Cranford, NJ; its Union office books 38% of its branch deposits. Judged on its Q2 2026 call report, Union County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 320 N Broad St, Elizabeth, NJ 07208
- County
- Union
- 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 041
- Established
- October 1, 1883
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $1.35B
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.68B
- Average total loans
- $305.6M
- Average interest-bearing deposits
- $1.27B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12013
- Fed RSSD
- 373601
- Website
- www.unioncountysavings.com →
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
Over the 12 quarters to Q2 2026, Union County Savings Bank's total assets ran between $1.40B (Q3 2023) and $1.67B (Q3 2024), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.48B total assets against $1.52B; $1.50B total liabilities against $1.54B.
$306.6M net loans and leases against $283.6M; $1.35B total deposits against $1.39B.
$1.03B securities against $1.05B; $118.5M cash and balances due against $155.6M.
$11.5M total interest income against $12.7M; $12.7M total interest expense against $14.3M.
-$1.2M net interest income against -$1.6M.
$43K total noninterest income against $45K; $3.7M total noninterest expense against $3.9M.
$78K provision for credit losses against $17K.
-$5.7M net income against -$5.6M.
-1.35% return on assets against -1.27%; -0.28% net interest margin against -0.38%.
15.54% CET1 capital ratio against 24.22%; 7.71% tier 1 leverage ratio against 8.63%.
Inside the full Union County Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnion County Savings Bank rankings
Its closest position to the top of a national ranking is 741 of 4,196, for total assets; its furthest is 3,580 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.72% (Q3 2024) to -1.18% (Q4 2025) and its net interest margin ran from -0.78% (Q3 2024) to -0.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.54% | -1.35% | 0.91% | -7.84% | -0.28% |
| Q1 2026 | 21.76% | -1.22% | 0.82% | -10.17% | -0.45% |
| Q4 2025 | 23.37% | -1.18% | 0.55% | -30.07% | -0.35% |
| Q3 2025 | 23.52% | -1.20% | 0.66% | -7.66% | -0.36% |
| Q2 2025 | 24.22% | -1.27% | 0.54% | -2.66% | -0.38% |
| Q1 2025 | 24.06% | -1.39% | 0.50% | -1.73% | -0.47% |
| Q4 2024 | 24.22% | -1.44% | 0.36% | -0.08% | -0.69% |
| Q3 2024 | 26.98% | -1.72% | 0.41% | -4.25% | -0.78% |
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 |
|---|---|---|---|
| Union Branch | Union , NJ | 07083 | $516.3M |
| Cranford Branch | Cranford , NJ | 07016 | $415.5M |
| Union County Savings Bank (main office) | Elizabeth , NJ | 07208 | $374.5M |
| Broad Street Branch | Elizabeth , NJ | 07201 | $43.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NJ, rank 36 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 Union County Savings Bank
What are Union County Savings Bank's total assets?
As of the Q2 2026 filing, Union County Savings Bank reported total assets of $1.48 billion in its FFIEC call report.
Where is Union County Savings Bank headquartered?
It is headquartered in Elizabeth, NJ, United States.
When was Union County Savings Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Union County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #12013). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union County Savings Bank?
Union County Savings Bank's primary federal regulator is the FDIC.
What is Union County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union County Savings 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 Union County Savings Bank's Texas Ratio?
Its Texas Ratio is -7.84% 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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