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Union County Savings Bank
Elizabeth, NJ · FDIC Certificate #12013 · Chartered 10/0
Total assets
$1.48B
Total deposits
$1.35B
Total equity
-$23.48M
Net loans
$306.63M
Branches (offices)
4
Net income (YTD)
-$10.81M
Rank: #749 of 4,213 U.S. banks by assets · #20 of 49 in New Jersey. Assets changed -2.4% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.45% |
| Net interest margin (YTD) | -0.37% |
| Equity to assets | -1.59% |
| Tier 1 leverage ratio | 7.77% |
| Uninsured deposits (share of deposits) | 15.7% |
| Noncurrent loans (share of loans) | 0.91% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 22.7% |
| Real estate loans (share of loans) | 96.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $294.67M | 96.1% | |
| Commercial & industrial | $10.66M | 3.5% | |
| Consumer / individual | $792.00K | 0.3% | |
| Construction & development | $4.52M | 1.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.58B | -$62.49M | $33.17M |
| Jun 2023 | $1.48B | $1.50B | -$4.54M | -$31.70M |
| Jun 2024 | $1.46B | $1.50B | -$13.61M | -$45.66M |
| Jun 2025 | $1.52B | $1.39B | -$11.97M | -$25.48M |
| Jun 2026 | $1.48B | $1.35B | -$10.81M | -$23.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $1.35B | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.35B.
Similar-sized banks
Citizens Bank And Trust ($1.48B) · Sovereign Bank ($1.47B)
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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