Bank · FDIC insured
Cross River
A $8.5B bank, the 186th largest of 4,207, headquartered in Fort Lee, NJ, with 2 branches in 2 states. Best rates: CDs 3.75% and savings 2.55% APY.
Cross River Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#49 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cross River
Founded in 2008 as a federally regulated bank with a new charter, Cross River opened to provide access to financial services for businesses and consumers in need.
Cross River operates as a financial infrastructure platform delivering embedded payments, cards, lending, accounts, and crypto solutions to technology companies and fintechs.
- Headquarters
- 2115 Linwood Ave, Fort Lee, NJ 07024
- FDIC certificate
- 58410 ↗
Branches
2 branches in 2 states
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Delaware
1 branch
- Delaware Branch1000 N West St, Wilmington, DE 19801Directions
New Jersey
1 branch
- Cross River BankMain office2115 Linwood Ave, Fort Lee, NJ 07024Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.78% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.79% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.12% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalLeverage ratio11.78%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.79%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.12%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cross River are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.