Roma Bank

Roma Bank Locations
2300 Route 33
Robbinsville, NJ 08691
(609) 223-8300
www.romabank.com

Roma Bank is headquartered in Robbinsville and is the 15st largest bank in the state of New Jersey. It is also the 381st largest bank in the nation. It was established in 1920 and as of September of 2011, it had grown to 315 employees at 25 locations. Roma Bank has a 3-star health rating.

Related Posts

Competitive CD Rates Continue at Roma Bank in NJ and Part of PA - Local Only - 6/21/2010

Roma Bank continues to offer several competitive CD rates. The rates have fallen since my April post , but they remain competitive. Three of the best rates include a 3.00% APY 60-month CD, a 2.50% APY ...

Competitive Long-Term CD Rates at Roma Bank - Available in NJ & Parts of PA - 4/7/2010

Roma Bank is offering several competitive CD rates. Two of the best include a 3.50% APY 60-month CD and a 2.25% APY 24-month CD. Minimum deposit is $1,000. These rates are listed at the bank's CD pag ...


We are currently reviewing the rates for Roma Bank for accuracy. Please check back in a few hours.

Data for Q3 2011


Institution Statistics


Roma Bank
OTS #04612
FDIC Certificate #30041
BankRate ReportView
Year Established1920
Employees315
Primary RegulatorOCC

Assets and Liabilities

Assets$1.78 billion
Loans$878.08 million
Deposits$1.49 billion
Equity Capital$174.61 million
Loan Loss Allowance$4.86 million
Unbacked Noncurrent Loans$51.51 million
Real Estate Owned$4.24 million

Historic Data - September 2010

Assets$1.69 billion
Equity Capital$174.92 million
Loan Loss Allowance$2.79 million
Unbacked Noncurrent Loans$43.82 million
Real Estate Owned$2.62 million

Profit Margin - Quarterly

Net Interest Margin3.03%
Return on Assets0.4%
Return on Equity4.07%
Interest Income$51.41 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 September 30, 2011 Roma Bank had $55.76 million in non-current loans and owned real-estate with $179.47 million in equity and loan loss allowances on hand to cover it. This gives Roma Bank a Texas Ratio of 31.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Roma Bank held steady from 26.13% as of September 30, 2010 to 31.07% as of September 30, 2011, resulting in a negative change of 18.89%. This indicates that the balance sheet and financial strength for Roma Bank has held steady in recent periods.
Deposit Growth5
In the past year, Roma Bank has increased its total deposits by $107.4 million, resulting in 7.74% 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 Roma Bank has shown is excellent.
Capitalization4
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. Roma Bank has $1.78 billion in assets with $179.47 million in equity, resulting in a capitalization level of 10.09%, which is above average.
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