This institution is no longer active
Operations ceased on January 16, 1996. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Strong
ROA 1.04%
Is this bank safe?
GARDEN STATE BANK earned an Outstanding CRA rating (1995), is financially strong (ROA +1.04%). Overall, this bank appears financially sound.
Institution Profile
FDIC BankFindAddress
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$312M
Total Deposits
$282M
Net Loans
$205M
Net Income
$3M
ROA
1.04%
Above avg for Small banks. Peer avg: 0.44%
ROE
11.92%
Risk-Based Capital
15.63%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| May 1995 | Outstanding | Not Reported |
| May 1994 | Satisfactory | Not Reported |
| Jun 1993 | Satisfactory | Not Reported |
Rating Over Time
🔒 LockedExam dates and details are paywalled
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