Union County Savings Bank
Capital moved notably last quarter — CET1 ratio of 21.76% was down 161bps from the prior quarter. Headquartered in Elizabeth, Union County Savings Bank serves the New Jersey market as a community-focused commercial bank. The Q1 2026 balance sheet stands at $1.5B in assets, including $302M in loans. Earnings turned negative this period, with ROA at -1.22%. Regulatory capital is solid — 21.76% CET1 and 22.08% total risk-based capital ratio. Credit metrics are in line with industry norms — 0.83% NPL ratio. It operates 4 branches, primarily in New Jersey.
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
- Fed District
- 2
- Established
- October 1, 1883
- Branches
- 4 domestic
- Employees (FTE)
- 48
- FDIC Cert
- 12013
- Fed RSSD
- 373601
- Website
- www.unioncountysavings.com →
Profitability
Capital & Liquidity
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Union County Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Union County Savings Bank
What are Union County Savings Bank's total assets?
As of the Q1 2026 filing, Union County Savings Bank reported total assets of $1.49 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Union County Savings Bank headquartered?
Union County Savings Bank is headquartered in ELIZABETH, NJ, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Union County Savings Bank founded?
Union County Savings Bank was established in 1883, per the FDIC institution directory.
Is Union County Savings Bank FDIC-insured?
Yes. Union County Savings Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Union County Savings Bank's CET1 capital ratio?
Union County Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 21.76% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Union County Savings Bank operate?
Union County Savings Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
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