Gibraltar Bank


5527 Berkshire Valley Road
Oak Ridge, NJ 07438
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Gibraltar Bank is an FDIC insured institution located in Oak Ridge, NJ. It was founded in 1909 and has approximately $0.1 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 30126
Date Established 1909
Assets $ 103.51 million
Loans $ 86.22 million
Deposits $ 79.62 million
Capital $ 12.69 million

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

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
Special: 15 Mo CD
0.90% $500 - Learn More
Special: 25 Mo CD
0.75% $500 - Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
Special: 40 Mo CD
0.85% $500 - Learn More
Special: 46 Mo CD
0.95% $500 - Learn More
Special: 58 Mo CD
0.95% $500 - Learn More

Special: 15 Mo FIRA
0.90% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
0.75% $500 - Learn MoreShow Less
Special: 40 Mo FIRA
0.85% $500 - Learn MoreShow Less
Special: 46 Mo FIRA
0.95% $500 - Learn MoreShow Less
Special: 58 Mo FIRA
0.95% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Gibraltar 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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.561% 2.500% 0.75 $2,021 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Gibraltar Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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

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Gibraltar Bank Locations

Financial Details

Gibraltar Bank Ratio Analysis

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

Texas Ratio
Gibraltar Bank U.S. Bank Average
1% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Gibraltar Bank had $134,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,693,000 in equity and $719,000 in loans loss reserves. That gives it a Texas Ratio of 1%.

Return on Equity
Gibraltar Bank U.S. Bank Average
2.28% 7.80%

Gibraltar Bank has a Return on Equity of 2.28% versus the BestCashCow average of 7.80%. 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.

Gibraltar Bank U.S. Bank Average
12.26% 12.68%

Gibraltar Bank has a Capitalization of 12.26% versus the BestCashCow average of 12.68. 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.

Gibraltar Bank Balance Sheet Analysis

As of March 31, 2020, Gibraltar Bank had assets of $103,509,000, loans of $86,223,000, and deposits of $79,620,000. 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.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 2.48 million
Interest-bearing balances $ 2.13 million
Total securities $ 12.29 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 86.22 million
Loan loss allowance $ 0.72 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.12 million
     Total Assets $ 90.82 million
Total deposits $ 79.62 million
      Interest-bearing deposits $ 75.12 million
      Deposits held in domestic offices $ 79.62 million
      % insured (estimated) 92.78%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 11.00 million
Subordinated debt N.A.
All other liabilities $ 0.20 million
      Total Liabilities $ 90.82 million
      Shareholders’ Equity $ 12.69 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.05 million
Total Interest Expense $ 0.34 million
Net interest income $ 0.71 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.25 million
Total non interest expense $ 0.84 million
Pre-tax Net Operating Income $ 0.10 million

Bank Loan Profile?

The top three loan types in Gibraltar Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in New Jersey, Gibraltar Bank has a significantly higher percent of 1-4 Family Residential Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 75.29
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 6.05
Commercial Real Estate 10.39
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Gibraltar Bank

Branches and Savings

Is Gibraltar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30126.

Why does Gibraltar Bank pay such low interest on savings accounts?

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

Why are Gibraltar Bank CD rates not competitive?

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

Is Gibraltar Bank a commercial bank?


Where are Gibraltar Bank locations?

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Is Gibraltar Bank open on Saturdays?

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Are Gibraltar Bank ATMs Open 24/7?

Do Gibraltar Bank ATMs accept cash deposits?

Can Gibraltar Bank customers use other ATMs?

Do Gibraltar Bank branches have notaries?

Will Gibraltar Bank notarize my document?

What address for Gibraltar Bank should I put for incoming ACH transfers?

Will the Gibraltar Bank branch print checks?

Do Gibraltar Bank checks expire?

Does Gibraltar Bank require US citizenship to open account?

Can Gibraltar Bank close my account?

Does Gibraltar Bank Report to credit bureaus?

Does Gibraltar Bank Use Equifax?

What is Gibraltar Bank's ACH Routing Number?

What is Gibraltar Bank's SWIFT code?


Does Gibraltar Bank offer mortgages?

Compare mortgage rates here.

Does Gibraltar Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gibraltar Bank offer personal loans?

Compare personal loan rates here.

Does Gibraltar Bank offer student loans?

Will Gibraltar Bank cash a check?

Will Gibraltar Bank redeem a savings bond?

Does Gibraltar Bank cash savings bonds?

Will Gibraltar Bank cash money orders?

Can Gibraltar Bank issue a money order?

Does Gibraltar Bank do currency exchange?

Background on The Bank

Who owns Gibraltar Bank?

How long has Gibraltar Bank been around?

Can Gibraltar Bank transfer to other banks?

Does Gibraltar Bank have quick pay?

Does Gibraltar Bank accept rolled coins?

Will Gibraltar Bank accept loose change?

Where is Gibraltar Bank headquarters?

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