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Sturdy Savings Bank
Stone Harbor, NJ · FDIC Certificate #28788 · Chartered 01/0
Total assets
$1.14B
Total deposits
$1.02B
Total equity
$97.61M
Net loans
$644.91M
Branches (offices)
13
Net income (YTD)
$4.24M
Rank: #926 of 4,213 U.S. banks by assets · #22 of 49 in New Jersey. Assets changed 1.2% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 8.97% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 8.53% |
| Tier 1 leverage ratio | 9.68% |
| Uninsured deposits (share of deposits) | 39.0% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 63.0% |
| Real estate loans (share of loans) | 97.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $626.86M | 97.2% | |
| Commercial & industrial | $16.89M | 2.6% | |
| Consumer / individual | $356.00K | 0.1% | |
| Construction & development | $26.60M | 4.1% | |
| Agricultural | $5.14M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.21B | $1.09B | $1.71M | $56.17M |
| Jun 2023 | $1.21B | $1.02B | $987.00K | $64.59M |
| Jun 2024 | $1.14B | $979.78M | $1.67M | $74.16M |
| Jun 2025 | $1.13B | $989.36M | $2.19M | $84.44M |
| Jun 2026 | $1.14B | $1.02B | $4.24M | $97.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $1.02B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.02B.
Similar-sized banks
First Us Bank ($1.15B) · Trustar Bank ($1.14B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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