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Overview / Commentary
900 Broad Street
Newark, NJ 07102

City National Bank (NJ) is headquartered in Newark and is the 64th largest bank in the state of New Jersey. It is also the 2,330th largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 76 employees at 7 locations. City National Bank (NJ)'s money market rates are 59% higher than the national average, but it has a F health rating.

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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 City National Bank (NJ) had $28.84 million in non-current loans and owned real-estate with $17 million in equity and loan loss allowances on hand to cover it. This gives City National Bank (NJ) a Texas Ratio of 169.61% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for City National Bank (NJ) increased slightly from 125.25% as of March 31, 2013 to 169.61% as of March 31, 2014, resulting in a negative change of 35.42%. This indicates that the balance sheet and financial strength for City National Bank (NJ) has declined slightly in recent periods.

Deposit Growth


In the past year, City National Bank (NJ) has decreased its total deposits by -$40.24 million, resulting in -13.49% 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 City National Bank (NJ) has shown is poor.



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. City National Bank (NJ) has $277.88 million in assets with $17 million in equity, resulting in a capitalization level of 6.12%, which is below average.

Institution Statistics

FDIC Certificate #21111
Year Established1973
Primary RegulatorOCC
Assets and Liabilities
Assets$277.88 million
Loans$149.75 million
Deposits$258.16 million
Equity Capital$7.83 million
Loan Loss Allowance$9.18 million
Unbacked Noncurrent Loans$24.42 million
Real Estate Owned$4.42 million
Historic Data - March 2013
Assets$329.98 million
Equity Capital$19.52 million
Loan Loss Allowance$9.58 million
Unbacked Noncurrent Loans$24.42 million
Real Estate Owned$2.11 million
Profit Margin - Quarterly
Net Interest Margin2.91%
Return on Assets-2.19%
Return on Equity-77.59%
Interest Income$2.50 million

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City National Bank (NJ) Savings Account Rates

0.50%-$20kREWARDS Savings - Qualifying
0.35%$20k-Statement Saver
0.10%--Holiday Club
0.10%--REWARDS Savings - Non Qualifying

City National Bank (NJ) Money Market Rates

0.70%$100k-Consumer Money Market

City National Bank (NJ) Checking Account Rates

0.30%$100k-Personal Super NOW Checking

City National Bank (NJ) CD Rates

1.40%$500-5 + Year CD
1.40%$500-Business 5 + Year CD
1.20%$500-4 - 5 Year CD
1.20%$500-Business 4 - 5 Year CD
1.00%$500-3 - 4 Year CD
1.00%$500-Business 3 - 4 Year CD
0.60%$500-2 - 3 Year CD
0.60%$500-Business 2 - 3 Year CD
0.40%$500-1 - 2 Year CD
0.40%$500-Business 1 - 2 Year CD
0.30%$500-182 - 364 Day CD
0.30%$500-Business 182 - 364 Day CD
0.20%$500-91 - 181 Day CD
0.20%$500-Business 91 - 181 Day CD
0.15%$500-90 Day or less CD
0.15%$500-Business 90 Day or less CD

City National Bank (NJ) Locations
Newark South Side Branch1080 Bergen StreetNewark, NJ 7112
Paterson Branch125 BroadwayPaterson, NJ 7505
Springfield Avenue Branch241 Springfield AvenueNewark, NJ 7103
East New York Branch2815 Atlantic AvenueNew York City, NY 11207
302 Nassau Rd. Branch302 Nassau Rd.Roosevelt, NY 11575
West Harlem Branch382 West 125 StreetNew York, NY 10027
City National Bank Of New Jersey900 Broad StreetNewark, NJ 7102