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Cross River Bank
Fort Lee, NJ·FDIC Cert #58410·Charter: STATE·Est. 20080623.0·HC: CRB GROUP INC
Total Assets
$8.1B
Q4 2025
Return on Assets
0.29%
-0.15%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
82.80%
Peer avg: 56.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
41
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.29%-0.15
ROE
2.30%-1.19
Efficiency
82.80%+5.86
Equity/Assets
0.00%+0.00
NPL Ratio
4.93%+2.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.78%-2.15
Charge-offs
1.09%-0.21
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.1 | 0.2 | 0.4 | 0.4 | 0.9 | 0.6 | 0.4 | 0.3 |
| ROE | 0.9 | 2.1 | 3.4 | 3.7 | 7.2 | 4.5 | 3.5 | 2.3 |
| Efficiency | 79.4 | 86.0 | 85.2 | 83.8 | 72.9 | 78.6 | 76.9 | 82.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 14.0 | 13.1 | 11.9 | 11.6 | 10.6 | 3.1 | 2.7 | 4.9 |
| Charge-offs | 0.6 | 0.6 | 0.6 | 0.6 | 1.8 | 1.1 | 1.3 | 1.1 |
| Loan/Deposit | 94.6 | 91.0 | 85.7 | 92.6 | 93.8 | 83.9 | 85.9 | 83.8 |
Balance Sheet
Total Assets$8.1B
Total Deposits$6.2B
Total Loans$5.2B
Total Equity$1.1B
Profitability
ROA0.29%
ROE2.30%
Efficiency Ratio82.80%
Net Income$24.0M
Risk & Asset Quality
NPL Ratio4.93%
Charge-off Rate1.09%
Loan/Deposit83.78%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans