Sturdy Savings Bank
Stone Harbor, NJ
IDRSSD: 391977
Total Assets
$1.12B
Latest filing
Total Deposits
$1.01B
Latest filing
Net Interest Margin
3.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Sturdy Savings Bank
9417 3rd Ave
Stone Harbor, NJ 08247
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1922FDIC Certificate 41622
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Sturdy Savings Bank (Main) | 9417 3rd Ave | Stone Harbor, NJ |
| SOMERS POINT BRANCH | 521 New Rd | Somers Point, NJ |
| AVALON BRANCH | 2628 Dune Dr | Avalon, NJ |
| DENNISVILLE BRANCH | 1224 Route 47 | Dennisville, NJ |
| NORTH CAPE MAY BRANCH | 3851 Bayshore Rd | North Cape May, NJ |
| CAPE MAY COURT HOUSE BRANCH | 17 S Main St | Cape May Court House, NJ |
| CAPE MAY BRANCH | 701 Washington St | Cape May, NJ |
| NORTH WILDWOOD BRANCH | 1900 New Jersey Ave | North Wildwood, NJ |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1922 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 08247 |
| State and County Number | 34009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Ocean City, NJ |
Operational Info
| Number of Employees | 149 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/23/2025 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.sturdyonline.com |
| Data Updated | 01/30/2026 |
| CERT | 28788 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.12B |
| Total Deposits | $1.01B |
| Total Liabilities | $1.03B |
| Total Equity Capital | $92.26M |
| Net Income | $1.63M |
| Net Loans and Leases | $622.16M |
| Assets Per Employee ($Millions) | $7.59M |
| Bank Premises and Fixed Assets | $21.47M |
| Cash and Balances due from Depository Institutions | $49.00M |
| Deposits Held in Domestic Offices | $1.01B |
Key Performance Ratios
| Return on Assets (ROA) | 0.57% |
| Return on Equity (ROE) | 7.2% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 73.6% |
| Tier 1 Risk-Based Capital Ratio | 16.215% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.213% |
| Earning Assets to total Assets | 92.51% |
Income and Expense
| Total Interest Income | $11.44M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $2.34M |
| Total Noninterest Expense | $7.47M |
| Net Interest Income | $9.10M |
| Pre-tax Net Operating Income | $2.60M |
| Provision for Credit Losses | $78.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $365.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.88M |
| Total Liabilities and Capital | $1.12B |
Securities
| Securities | $375.71M |
| Available-for-sale debt securities | $125.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $246.33M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Sturdy Savings Bank?
$1.12B as of the latest filing.
How much are Sturdy Savings Bank's total deposits?
$1.01B in total deposits.
Where is Sturdy Savings Bank located?
Stone Harbor, NJ.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1922.
What is the Return on Assets (ROA)?
0.57%.
How much are total loans and leases?
$622.16M (latest filing).
What is the total interest income (latest filing)?
$11.44M.