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630 Godwin Avenue
Midland Park, NJ 07432

Atlantic Stewardship Bank is headquartered in Midland Park and is the 34th largest bank in the state of New Jersey. It is also the 1,013st largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 140 employees at 14 locations. Atlantic Stewardship Bank's savings rates are 44% higher than the national average, and it has a B+ health rating.

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Reviews (3)

Great Service With Actual Interest

I have been a Power Checking account customer for 3 years and am very satisfied ASB. In exchange for having to 1) direct deposit my paycheck, 2) make a minimum of 10 debit transactions and 3) accept only electronic statements (i.e., no paper), ASB provides free checking with no minimum balance, full monthly ATM refunds, and interest which is 15x what my former Wachovia/Wells Fargo checking and savings for balances up to $25k.  Also, despite me visiting the branch for an average of 4 times a year, everyone from the Branch Manager to the tellers know who I am.

Downsides include 1) limited branches - if you live in Bergen County, there are plenty, but outside of that not much coverage, 2) $6 for online bill pay (free online banking though), and 3) they are not on the technological cutting edge - if you're looking for ATMs on every corner, smartphone banking apps and deposit by smart phone pictures, you'll be disappointed.

That being said, I earned $600 of interest and was refunded $250 of other bank's ATM fees last year.  I think that's well worth it.

Customer Service

By far the best customer service in the industry. The huge benefit of working with a small local bank!!

You Are Wasting Your Time Filling Out The Online Application

You are wasting your time filling out the online application. A visit toa local branch is required to open the account.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Atlantic Stewardship Bank had $6.86 million in non-current loans and owned real-estate with $70.48 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Stewardship Bank a Texas Ratio of 9.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Atlantic Stewardship Bank decreased dramatically from 24.78% as of March 31, 2013 to 9.74% as of March 31, 2014, resulting in a positive change of 60.70%.This indicates that the balance sheet and financial strength for Atlantic Stewardship Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Atlantic Stewardship Bank has decreased its total deposits by -$19.9 million, resulting in -3.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atlantic Stewardship Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atlantic Stewardship Bank has $671.22 million in assets with $70.48 million in equity, resulting in a capitalization level of 10.50%, which is above average.

Institution Statistics

FDIC Certificate #26390
Year Established1985
Primary RegulatorFDIC
Assets and Liabilities
Assets$671.22 million
Loans$413.97 million
Deposits$575.90 million
Equity Capital$60.69 million
Loan Loss Allowance$9.79 million
Unbacked Noncurrent Loans$5.07 million
Real Estate Owned$1.79 million
Historic Data - March 2013
Assets$692.39 million
Equity Capital$62.77 million
Loan Loss Allowance$11.51 million
Unbacked Noncurrent Loans$5.07 million
Real Estate Owned$876,000
Profit Margin - Quarterly
Net Interest Margin3.48%
Return on Assets0.38%
Return on Equity4.21%
Interest Income$6.16 million

Always verify rates and promotions with the bank or credit union. We are not Atlantic Stewardship Bank, we are a rate comparison website and can not provide official rates or promotions.

Atlantic Stewardship Bank Savings Account Rates

0.75%$15k-Health Savings Account (Individual & Family)
0.50%-$10kReal Savings - Qualifying
0.20%-$25kKid's Statement Savings
0.10%$50$25kStatement Savings
0.10%$50$25kIRA Variable Rate Savings
0.10%--Holiday Club
0.10%$50-Business Statement Savings
0.10%$50$25kRoth IRA Variable Rate Savings
0.10%$50$25kCESA Variable Rate Savings
0.10%--Christmas Club
0.10%--Real Savings - Non Qualifying

Atlantic Stewardship Bank Money Market Rates

0.20%$1m-Premium Growth Account
0.20%$1m-Business Premium Growth Account
0.10%$1,500-Atlantic Money Market Account
0.10%$1,500-Business Atlantic Money Market Account

Atlantic Stewardship Bank Checking Account Rates

0.85%-$25kPower Rate Checking - Qualifying
0.20%$1m-Genesis NOW Account
0.10%$50k-Interest Bearing Checking
0.10%$50k-Business NOW Account
0.05%--Power Rate Checking - Non Qualifying

Atlantic Stewardship Bank CD Rates

1.86%$500-60 Month Special Offer CD
1.86%$500-Business 60 Month Special Offer CD
1.35%$500-60 Month CD
1.35%$500-Business 60 Month CD
1.15%$500-36-47 Month Special Offer CD
1.15%$500-48-59 Month Special Offer CD
1.15%$500-Business 36-47 Month Special Offer CD
1.15%$500-Business 48-59 Month Special Offer CD
0.64%$500-36 - 47 Month CD
0.64%$500-Business 36 - 47 Month CD
0.64%$500-48 - 59 Month CD
0.64%$500-Business 48 - 59 Month CD
0.40%$10k-30 Month Power Flex CD
0.30%$10k-20 Month Power Flex CD
0.25%$500-24 - 35 Month Power CD
0.25%$500-Business 24 - 35 Month Power CD
0.20%$500-18 - 23 Month Power CD
0.20%$500-12 - 17 Month CD
0.20%$500-Business 12 - 17 Month CD
0.20%$500-Business 18 - 23 Month Power CD
0.15%$500-180 - 364 Day CD
0.15%$500-24 - 35 Month CD
0.15%$500-Business 180 - 364 Day CD
0.15%$500-Business 24 - 35 Month CD
0.10%$500-30 - 89 Day CD
0.10%$500-90 - 179 Day CD
0.10%$500-18 - 23 Month CD
0.10%$500-Business 30 - 89 Day CD
0.10%$500-Business 90 - 179 Day CD
0.10%$500-Business 18 - 23 Month CD

Atlantic Stewardship Bank IRA Rates

1.86%$500-60 Month IRA Power CD
1.35%$500-60 Month IRA CD
1.15%$500-36 - 47 Month IRA Power CD
1.15%$500-48 - 60 Month IRA Power CD
0.64%$500-36 - 47 Month IRA CD
0.64%$500-48 - 60 Month IRA CD
0.35%$500-24 - 35 Month IRA Power CD
0.25%$500-18 - 23 Month IRA Power CD
0.25%$500-24 - 35 Month IRA CD
0.15%$500-18 - 23 Month IRA CD

Atlantic Stewardship Bank has 14 locations. Click to view all Atlantic Stewardship Bank locations.