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Overview / Commentary
301 Greentree Road
Sewell, NJ 08080

GCF Bank is headquartered in Sewell and is the 63rd largest bank in the state of New Jersey. It is also the 2,232nd largest bank in the nation. It was established in 1921 and as of December of 2013, it had grown to 49 employees at 4 locations. GCF Bank has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 GCF Bank had $2.69 million in non-current loans and owned real-estate with $27.54 million in equity and loan loss allowances on hand to cover it. This gives GCF Bank a Texas Ratio of 9.76% 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 GCF Bank experienced no significant changes from 10.21% as of December 31, 2012 to 9.76% as of December 31, 2013, resulting in a positive change of 4.41%.This indicates that the balance sheet and financial strength for GCF Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, GCF Bank has decreased its total deposits by -$21.04 million, resulting in -7.55% 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 GCF 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. GCF Bank has $289.38 million in assets with $27.54 million in equity, resulting in a capitalization level of 9.52%, which is above average.

Institution Statistics

FDIC Certificate #28126
Year Established1921
Primary RegulatorOCC
Assets and Liabilities
Assets$289.38 million
Loans$202.18 million
Deposits$257.60 million
Equity Capital$24.86 million
Loan Loss Allowance$2.69 million
Unbacked Noncurrent Loans$2.25 million
Real Estate Owned$437,000
Historic Data - December 2012
Assets$309.71 million
Equity Capital$24.52 million
Loan Loss Allowance$2.53 million
Unbacked Noncurrent Loans$2.25 million
Real Estate Owned$178,000
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.16%
Return on Equity1.94%
Interest Income$11.50 million

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GCF Bank Savings Account Rates

0.12%--CyberSaver Gold Account
0.10%--Holiday Club Account
0.10%--CyberSaver Promo Account
0.10%$25k$100kCyberSaver Account
0.10%--CyberSaver Supreme Account
0.05%--Passbook Savings Account
0.05%$100-Statement Savings Account

GCF Bank Money Market Rates

0.06%$100k-Money Maker Account

GCF Bank Checking Account Rates

0.02%--NOW Checking Account

GCF Bank CD Rates

1.00%$500-7 Year CD
1.00%$100k-5 Year CYBER CDARS CD
0.92%$500-5 Year CD
0.75%$100k-5 Year CYBER CDARS Rollover CD
0.68%$500-3 1/2 Year CD
0.66%$500-3 Year CD
0.51%$500-2 1/2 Year CD
0.50%$100k-3 Year CYBER CDARS CD
0.40%$2,500-2 Year WiseChoice CD
0.35%$100k-3 Year CYBER CDARS Rollover CD
0.25%$500-1 1/2 Year CD
0.25%$100k-2 Year CYBER CDARS CD
0.23%$500-15 Month CD
0.20%$500-1 Year CD
0.15%$100k-2 Year CYBER CDARS Rollover CD
0.12%$500-9 Month CD
0.10%$500-6 Month CD
0.10%$100k-52 Week CYBER CDARS CD
0.07%$100k-26 Week CYBER CDARS CD
0.07%$100k-52 Week CYBER CDARS Rollover CD
0.05%$500-91 Day CD
0.05%$100k-13 Week CYBER CDARS CD
0.05%$100k-26 Week CYBER CDARS Rollover CD
0.03%$100k-4 Week CYBER CDARS CD
0.03%$100k-13 Week CYBER CDARS Rollover CD
0.02%$100k-4 Week CYBER CDARS Rollover CD

GCF Bank IRA Rates

1.10%$500-7 Year IRA (Traditional,Roth)
0.92%$500-5 Year IRA (Traditional,Roth)
0.68%$500-3 1/2 Year IRA (Traditional,Roth)
0.66%$500-3 Year IRA (Traditional,Roth)
0.51%$500-2 1/2 Year IRA (Traditional,Roth)
0.45%$500-2 Year IRA (Traditional,Roth)
0.45%$500-2 Year Traditional IRA
0.25%$500-1 1/2 Year IRA (Traditional,Roth)
0.23%$500-15 Month IRA (Traditional,Roth)
0.20%$500-1 Year IRA (Traditional,Roth)
0.10%$500-6 Month IRA (Traditional,Roth)
0.05%$500-91 Day IRA (Traditional,Roth)

GCF Bank Locations
101 N Broadway Branch101 N BroadwayPitman, NJ 8071
Gcf Bank301 Greentree RoadSewell, NJ 8080
Black Horse Pike and Pedrick Ave Bra425 N. Black Horse PikeWilliamstown, NJ 8094
Collegetown Shopping Center Branch680 Delsea DriveGlassboro, NJ 8028