Gibraltar Bank

5527 Berkshire Valley Road
Oak Ridge, NJ 07438

Notable Rates APY Vs.Others
Savings 0.10% 1.90% →
1-Year CD 0.20% 1.90% →
2-Year CD 0.40% 1.95% →
5-Year CD N.A. 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

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 $0.10 billion
Loans $0.08 billion
Deposits $0.08 billion
Capital $0.01 billion

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 - April 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.10% $500 - Learn MoreShow Less
Special: 9 Mo CD
1.05% $500 - Learn MoreShow Less

Fixed IRA
0.20% $500 - Learn MoreShow Less
Special: 9 Mo FIRA
1.05% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
1.15% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
1.35% $500 - Learn MoreShow Less
Special: 30 Mo FIRA
1.10% $500 - Learn MoreShow Less
Special: 40 Mo FIRA
1.20% $500 - Learn MoreShow Less
Special: 46 Mo FIRA
1.20% $500 - Learn MoreShow Less
Special: 58 Mo FIRA
1.20% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 $749 Learn MoreShow Less
Int Ckg
0.05% $750 $14,999 Learn MoreShow Less

Loan Rates - April 4, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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.

Your Location:

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
1.84% 6.70%

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 September 30, 2019, Gibraltar Bank had $244,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,565,000 in equity and $684,000 in loans loss reserves. That gives it a Texas Ratio of 1.84%.

Return on Equity
Gibraltar Bank U.S. Bank Average
1.54% 9.72%

Gibraltar Bank has a Return on Equity of 1.54% versus the BestCashCow average of 9.72%. 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
12.18% 12.89%

Gibraltar Bank has a Capitalization of 12.18% versus the BestCashCow average of 12.89. 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 September 30, 2019, Gibraltar Bank had assets of $103,133,000, loans of $82,230,000, and deposits of $80,338,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
Total deposits $0.08 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 87.08%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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 81.48
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 5.72
Commercial Real Estate 7.53
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?

See branch locations nearby.

Is Gibraltar Bank open on Saturdays?

Is Gibraltar Bank open on Sundays?

What time does Gibraltar Bank open?

What time does Gibraltar Bank close?

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?

Customer Reviews for Gibraltar Bank

There are currently no comments for Gibraltar Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →