Atlantic Stewardship Bank

630 Godwin Avenue
Midland Park, NJ 07432

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26390
Date Established 1985
Assets $0.91 billion
Loans $0.68 billion
Deposits $0.72 billion
Capital $0.09 billion

Atlantic Stewardship Bank is an FDIC insured institution located in Midland Park, NJ. It was founded in 1985 and has approximately $0.91 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of Atlantic Stewardship Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Atlantic Stewardship Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in New Jersey, Atlantic Stewardship Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.05
Multifamily
Mortgages
3.42
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 17.81
Construction and Development Loans 1.75
Commercial Real Estate 68.41
Commercial and Industrial Loans 7.36
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.50% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.75% $1 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Atlantic Stewardship Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Atlantic Stewardship Bank
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Branches

Atlantic Stewardship Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Atlantic Stewardship Bank Locations

Financial Details

Atlantic Stewardship Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atlantic Stewardship Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Atlantic Stewardship Bank U.S. Bank Average
1.16% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Atlantic Stewardship Bank had $1,146,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $90,534,000 in equity and $8,550,000 in loans loss reserves. That gives it a Texas Ratio of 1.16%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Atlantic Stewardship Bank U.S. Bank Average
7.29% 8.58

Atlantic Stewardship Bank has a Return on Equity of 7.29% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Atlantic Stewardship Bank U.S. Bank Average
9.96% 12.11

Atlantic Stewardship Bank has a Capitalization of 9.96% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Atlantic Stewardship Bank Balance Sheet Analysis

As of June 30, 2017, Atlantic Stewardship Bank had assets of $909,396,000, loans of $683,608,000, and deposits of $721,610,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Atlantic Stewardship Bank

Branches and Savings

Is Atlantic Stewardship Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26390.

Why does Atlantic Stewardship Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Atlantic Stewardship Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Atlantic Stewardship Bank a commercial bank?

Yes

Where are Atlantic Stewardship Bank locations?

See branch locations nearby.

Is Atlantic Stewardship Bank open on Saturdays?

Is Atlantic Stewardship Bank open on Sundays?

What time does Atlantic Stewardship Bank open?

What time does Atlantic Stewardship Bank close?

Are Atlantic Stewardship Bank ATMs Open 24/7?

Do Atlantic Stewardship Bank ATMs accept cash deposits?

Can Atlantic Stewardship Bank customers use other ATMs?

Do Atlantic Stewardship Bank branches have notaries?

Will Atlantic Stewardship Bank notarize my document?

What address for Atlantic Stewardship Bank should I put for incoming ACH transfers?

Will the Atlantic Stewardship Bank branch print checks?

Do Atlantic Stewardship Bank checks expire?

Does Atlantic Stewardship Bank require US citizenship to open account?

Can Atlantic Stewardship Bank close my account?

Does Atlantic Stewardship Bank Report to credit bureaus?

Does Atlantic Stewardship Bank Use Equifax?

What is Atlantic Stewardship Bank's ACH Routing Number?

What is Atlantic Stewardship Bank's SWIFT code?

Products

Does Atlantic Stewardship Bank offer mortgages?

Compare mortgage rates here.

Does Atlantic Stewardship Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Atlantic Stewardship Bank offer personal loans?

Compare personal loan rates here.

Does Atlantic Stewardship Bank offer student loans?

Will Atlantic Stewardship Bank cash a check?

Will Atlantic Stewardship Bank redeem a savings bond?

Does Atlantic Stewardship Bank cash savings bonds?

Will Atlantic Stewardship Bank cash money orders?

Can Atlantic Stewardship Bank issue a money order?

Does Atlantic Stewardship Bank do currency exchange?

Background on The Bank

Who owns Atlantic Stewardship Bank?

How long has Atlantic Stewardship Bank been around?

Can Atlantic Stewardship Bank transfer to other banks?

Does Atlantic Stewardship Bank have quick pay?

Does Atlantic Stewardship Bank accept rolled coins?

Will Atlantic Stewardship Bank accept loose change?

Where is Atlantic Stewardship Bank headquarters?

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