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101 JFK Parkway
Short Hills, NJ 07078

Investors Savings Bank strives to provide high-quality products and services in an honest and straightforward manner while operating responsibly and ethically, so that their clients, employees, stockholders and communities may prosper

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Reviews (1)

Lack Technology And Modern Banking Innovations

Stay away from this Bank if you prefer electronic banking. I only had a Mortgage account with ISB however my experience for getting information and keeping up-to-date was terrible. I was required to submit a written-signed request (fax was accepted) for any kind of information; including something as simple as an account statement. Their website is very basic and only provide current balance information. There was no option for paperless communications as they communicated by postal mail only. They didn't support Auto-billing unless you had a checking/savings account with them.

They maintained my mortgage without any issues, however the lack of a full featured website and the requirement to fax/mail all requests in written format is a complete waste of my time and an inconvenience to me. I honestly would pay 1/8 of a percent more just to avoid doing business with this bank.


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 Investors Bank had $102.3 million in non-current loans and owned real-estate with $1.48 billion in equity and loan loss allowances on hand to cover it. This gives Investors Bank a Texas Ratio of 6.90% 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 Investors Bank decreased dramatically from 12.23% as of March 31, 2013 to 6.90% as of March 31, 2014, resulting in a positive change of 43.58%.This indicates that the balance sheet and financial strength for Investors Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Investors Bank has increased its total deposits by $2.64 billion, resulting in 29.79% 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 Investors Bank has shown is excellent.



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. Investors Bank has $16.35 billion in assets with $1.48 billion in equity, resulting in a capitalization level of 9.06%, which is average.

Institution Statistics

FDIC Certificate #28892
Year Established1926
Primary RegulatorFDIC
Assets and Liabilities
Assets$16.35 billion
Loans$13.42 billion
Deposits$11.49 billion
Equity Capital$1.30 billion
Loan Loss Allowance$180.71 million
Unbacked Noncurrent Loans$93.69 million
Real Estate Owned$8.61 million
Historic Data - March 2013
Assets$12.81 billion
Equity Capital$1.01 billion
Loan Loss Allowance$149.64 million
Unbacked Noncurrent Loans$93.69 million
Real Estate Owned$7.63 million
Profit Margin - Quarterly
Net Interest Margin3.46%
Return on Assets0.87%
Return on Equity10.93%
Interest Income$159.31 million

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

Investors Bank Savings Account Rates

0.25%--Statement Savings Retirement Account
0.25%$5k-High Yield Savings Account
0.25%--Commercial Sweep Account
0.20%--Attorney Escrow Account
0.10%--Landlord/Tenant Account
0.05%$50-Passbook Account
0.05%$50-Statement Savings Account

Investors Bank Money Market Rates

1.25%$10k$2mConsumer Money Market 1 Year Promotion
1.25%$10k$2mBusiness Money Market 1 Year Promotion
0.30%$2m-Business Money Market Account
0.30%$500k-Investors Edge Money Market Account
0.25%$100k-Retirement Money Market Savings
0.25%$100k-Roth IRA Money Market Savings
0.20%$25k-Preferred Money Market Account
0.10%$2,500-Investors Money Market Account
0.10%$2,500-Fifty & Free Money Market Account

Investors Bank Checking Account Rates

0.30%$1m-ISB Not-For-Profit Checking Account
0.25%$100k-High Yield Checking
0.15%$2,500-Business Edge Checking
0.10%$2,500-Preferred Checking
0.10%$2,500-Edge Checking
0.10%$2,500-Edge 50 Checking

Investors Bank CD Rates

1.25%$500-10 Year CD
1.00%$500-5 Year CD
0.75%$500-4 Year CD
0.60%$500-36 Month CD
0.60%$500-42 Month CD
0.45%$500-24 Month CD
0.45%$500-24 Month Step-Up CD
0.45%$500-25 Month CD
0.45%$500-30 Month CD
0.40%$500-18 Month CD
0.30%$500-15 Month Step-Up CD
0.25%$500-12 Month CD
0.25%$500-13 Month CD
0.25%$500-14 Month CD
0.25%$500-15 Month CD
0.20%$500-91 Day CD
0.20%$500-4 Month CD
0.20%$500-5 Month CD
0.20%$500-6 Month CD
0.20%$500-7 Month CD
0.20%$500-8 Month CD
0.20%$500-9 Month CD
0.20%$500-10 Month CD
0.15%$10k-91 Day Liquid CD
0.15%$10k-6 Month Liquid CD

Investors Bank IRA Rates

1.25%$500-10 Year IRA
1.00%$500-5 Year IRA
0.75%$500-4 Year IRA
0.60%$500-36 Month IRA
0.60%$500-42 Month IRA
0.45%$500-24 Month IRA
0.45%$500-24 Month Step-Up IRA
0.45%$500-25 Month IRA
0.45%$500-30 Month IRA
0.45%--30 Month Variable IRA
0.40%$500-18 Month IRA
0.30%$500-15 Month Step-Up IRA
0.25%$500-12 Month IRA
0.25%$500-13 Month IRA
0.25%$500-14 Month IRA
0.25%$500-15 Month IRA
0.20%$500-4 Month IRA
0.20%$500-5 Month IRA
0.20%$500-6 Month IRA
0.20%$500-7 Month IRA
0.20%$500-8 Month IRA
0.20%$500-9 Month IRA
0.20%$500-10 Month IRA

Investors Bank has 101 locations. Click to view all Investors Bank locations.