Cross River Bank
Fort Lee, NJ·RSSD 3783313·FDIC 58410·bank:3783313·CBLR opted in
- #6 of 50Total assets in New Jersey
- Top 5%Total assets in the U.S.
- 2offices
- 938employees
- #9 of 1,942C&I loan growth in the U.S.
- #1 of 49Net interest margin in New Jersey
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Cross River Bank
5 of 23 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Deposit costs falling faster than peersStrength: Funding 2nd quarter2.82%peers 1.99%+83 bps
Cross River Bank's cost of all deposits fell 140 bps over the past year to 2.82%. Among 262 similar banks, the median fell 24 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 2.82% | 1.99% | +83 bps |
| 12-month change | ||
| -140 bps | -24 bps | -116 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Cross River Bank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-0.30%peers 1.39%-169 bps
Cross River Bank's annualized return on assets fell 53 bps over the past year to -0.30%. Among 264 similar banks, the median rose 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -0.30% | 1.39% | -169 bps |
| 12-month change | ||
| -53 bps | +16 bps | -69 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Cross River Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital11.78%peers 10.42%+1.4 pp
Cross River Bank's leverage ratio fell 1.1 percentage points over the past year to 11.78%. Among 270 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.78% | 10.42% | +1.4 pp |
| 12-month change | ||
| -1.1 pp | +0.2 pp | -1.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Cross River Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Noninterest-bearing deposit share rising while the peer median fallsFunding
Key facts
- Cross River Bank is a bank headquartered in Fort Lee, New Jersey. It reported $8.5 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $6.7 billion, up 0.5% from a year earlier, and loans totaled $5.9 billion, up 4.5%.
- Its net interest margin was 5.18% and its annualized return on assets was -0.30% for the quarter.
- Its cost of all deposits was 2.82%, compared with a median of 1.99% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Cross River Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Cross River Bank · Bank
- Federal Reserve RSSD
- 3783313
- FDIC certificate
- 58410
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Cross River Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$6.36M | — | |
| $155.75M | — | |
| $51.35M | — | |
| $104.4M | — | |
| $33.43M | — | |
| $120.03M | — | |
| $27.38M | — | |
| $28.37M | — | |
| -0.30% | -0.30%ROAQ · Quarter | |
| 5.18% | 5.17%NIMYQ · Quarter | |
| 87.09% | 87.04%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.