SCHUYLER SAVINGS BANK

KEARNY, NJ · Supervised by FDIC

Est. 1924FDIC #30,072RSSD: FDIC-30072

Satisfactory Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.21%

Is this bank safe?

SCHUYLER SAVINGS BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.21%).

Institution Profile

FDIC BankFind

Website

www.schuylersavings.com

Address

24 Davis Ave, KEARNY, NJ

County

Hudson County

Established

January 1, 1924

Total Assets

$150M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$150M

Total Deposits

$117M

Net Loans

$122M

Net Income

$77K

ROA

0.21%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.46%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.21%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.38%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$107M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	32	81.25%	9.38%
2022	66	60.61%	12.12%
2021	85	70.59%	8.24%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2022	Satisfactory	Small Bank
Apr 2016	Satisfactory	Small Bank
Jul 2009	Satisfactory	Small Bank

4 previous ratings locked — back to 1996

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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