Atlantic Stewardship Bank

Overview / Commentary
630 Godwin Avenue
Midland Park, NJ 07432

Atlantic Stewardship Bank is headquartered in Midland Park and is the 30th largest bank in the state of New Jersey. It is also the 820th largest bank in the nation. It was established in 1985 and as of March of 2019, it had grown to 135 employees at 12 locations. Atlantic Stewardship Bank has an A health rating.

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25-Month Club CD, 3.25% APY, $500 Minimum - 4/18/2019

Only available to customers who belong to either the Premium or Sterling Club, both of which have a checking relationship requirement. Premium Checking is a rewards checking account earn 2.02% APY up to $25,000. Sterling Checking requires a direct deposit. Qualifying for the Premium Club is automatic if Premium Checking account are met. Qualifying for the Sterling Club includes meeting Sterling Checking requirements AND having a minimum $10,000 balance in Atlantic Stewardship Bank accounts (up to 5 accounts can be used to qualify).

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Reviews (3)

Great Service With Actual Interest

Posted by: tpld736 | Dec 30, 2011

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

Posted by: Anonymous | Aug 10, 2011

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

Posted by: Anonymous | Mar 31, 2010

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


Health Grade Components

FDIC Certificate #26390
Year Established1985
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD8.11%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$956.8MM$918.1MM
LoansQ1 2019vs Q1 2018$738.7MM$699.3MM
DepositsQ1 2019vs Q1 2018$784.6MM$772.8MM
Equity CapitalQ1 2019vs Q1 2018$100.0MM$91.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$8.0MM$8.4MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.8MM$1.1MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0

Rates for Atlantic Stewardship Bank are currently being reviewed.



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