Union County Savings Bank
Elizabeth, NJ
IDRSSD: 373601
Total Assets
$1.50B
Latest filing
Total Deposits
$1.36B
Latest filing
Net Interest Margin
-0.41%
Profitability
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 | 10/01/1883 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 07208 |
| State and County Number | 34039 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unioncountysavings.com |
| Data Updated | 11/14/2025 |
| CERT | 12013 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.50B |
| Total Deposits | $1.36B |
| Total Liabilities | $1.51B |
| Total Equity Capital | $-9,314,000 |
| Net Income | $-5,148,000 |
| Net Loans and Leases | $289.21M |
| Assets Per Employee ($Millions) | $32.7M |
| Bank Premises and Fixed Assets | $11.23M |
| Cash and Balances due from Depository Institutions | $140.76M |
| Deposits Held in Domestic Offices | $1.36B |
Key Performance Ratios
| Return on Assets (ROA) | -1.36% |
| Return on Equity (ROE) | 118.36% |
| Net Interest Margin | -0.41% |
| Efficiency Ratio | -264.91% |
| Tier 1 Risk-Based Capital Ratio | 23.523% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | -0.619% |
| Earning Assets to total Assets | 98.52% |
Income and Expense
| Total Interest Income | $12.13M |
| Total Noninterest Income | $151.00k |
| Total Interest Expense | $13.67M |
| Total Noninterest Expense | $3.68M |
| Net Interest Income | $-1,539,000 |
| Pre-tax Net Operating Income | $-5,079,000 |
| Provision for Credit Losses | $14.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $150.00M |
| All Other Liabilities | $4.14M |
| Total Liabilities and Capital | $1.50B |
Securities
| Securities | $1.05B |
| Available-for-sale debt securities | $1.05B |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union County Savings Bank?
$1.50B as of the latest filing.
How much are Union County Savings Bank's total deposits?
$1.36B in total deposits.
Where is Union County Savings Bank located?
Elizabeth, NJ.
What is the Net Interest Margin?
-0.41%.
How many domestic offices does it operate?
4.
When was it established?
10/01/1883.
What is the Return on Assets (ROA)?
-1.36%.
How much are total loans and leases?
$289.21M (latest filing).
What is the total interest income (latest filing)?
$12.13M.