Lusitania Savings Bank: how it compares with its peers
Against 13 NJ banks with half to twice its assets, Lusitania Savings Bank's strongest measure in Q2 2026 is efficiency ratio (72.59% vs. a 78.32% peer median). Its weakest relative measure is net interest margin (2.42% vs. 3.50%).
| Measure | Lusitania Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.48% | 0.53% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.42% | 3.50% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.59% | 78.32% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $7.0M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.95% | 86.75% | Context |
What it means for lending operations
Its efficiency ratio of 72.59% is better than the 78.32% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Haddon Savings Bank Haddon Heights, NJ · $421M
- The First National Bank of Elmer Elmer, NJ · $408M
- Ascendia Bank Glen Rock, NJ · $395M
- United Roosevelt Savings Bank Carteret, NJ · $381M
- Franklin Bank Pilesgrove, NJ · $334M
- 1st Bank of Sea Isle City Sea Isle City, NJ · $311M
Questions about Lusitania Savings Bank
How big is Lusitania Savings Bank?
Lusitania Savings Bank, established in 1995, is headquartered in Newark, NJ. It reported $418M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Lusitania Savings Bank's return on assets?
0.48% annualized in Q2 2026, against a 0.53% median for 13 NJ banks with half to twice its assets, ahead of 46% of them.
What is Lusitania Savings Bank's efficiency ratio?
72.59% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 78.32%, and lower is better.
Is Lusitania Savings Bank growing its loans?
Net loans grew 1.5% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.