Ascendia Bank (FDIC #28729): Bank Stress & Real-Estate Credit Exposure

Ascendia Bank (FDIC Cert #28729): bank stress 89/100, severe, STABLE over 7 days.

Ascendia Bank (#28729) lends in 3 counties across 1 state; Ascendia Bank (#28729) reaches 126 ZIP codes: New Jersey 3 counties, 126 ZIPs.

Ascendia Bank (#28729) largest markets: Bergen County, NJ (132 branches, 66 ZIPs) (#28729), Passaic County, NJ (33 branches, 33 ZIPs) (#28729), Essex County, NJ (62 branches, 31 ZIPs) (#28729).

Ascendia Bank (#28729) reports $395.3 million in total assets; Ascendia Bank (#28729) equity $35.9 million (9.1% of Ascendia Bank (#28729) assets); Ascendia Bank (#28729) domestic deposits $318.8 million; Ascendia Bank (#28729) net income $461,000; Ascendia Bank (#28729) return on assets 0.24%; Ascendia Bank (#28729) return on equity 2.58%; Ascendia Bank (#28729) net interest income $4.7 million; Ascendia Bank (#28729) call report June 30, 2026.

Ascendia Bank (#28729) noncurrent real-estate loans: none reported; Ascendia Bank (#28729) net charge-offs on real estate 0.13%; Ascendia Bank (#28729) multifamily charge-offs 0.45%; Ascendia Bank (#28729) residential charge-offs 0.11%.

Ascendia Bank (#28729) net interest margin 2.60% against an eight-quarter Ascendia Bank (#28729) average of 2.22% (Ascendia Bank (#28729) compression -0.38 points); Ascendia Bank (#28729) non-residential real estate 10.6% of equity; Ascendia Bank (#28729) rate-exposure score 40/100, Ascendia Bank (#28729) fixed-rate trap 40/100; Ascendia Bank (#28729) risk type credit driven; Ascendia Bank (#28729) rate regime rates elevated, Ascendia Bank (#28729) snapshot October 19, 2026.

Ascendia Bank (#28729) stress score moved from 88.7 on June 22, 2026 to 88.9 on October 19, 2026; Ascendia Bank (#28729) ranged 88.7 to 88.9 over 116 snapshots.

Ascendia Bank (#28729) alerts: 3 counties; top Ascendia Bank (#28729) alert scores: Hawthorne County, NJ 28 (low); Oradell County, NJ 28 (low); West Orange County, NJ 28 (low).