FIVE RIVERS BANK

PARAMUS, NJ | Micro | Est. May 12, 2025, midnight | FDIC #59345 | RSSD #5882500 | FDIC
Latest Report: 2025-12-31

FIVE RIVERS BANK is amn micro FDIC-insured commercial bank headquartered in PARAMUS, NJ, established in May 12, 2025, midnight. As of 2025-12-31, the bank reported total assets of $34M and total deposits of $4M. Profitability stands at -8.62% ROA and -9.46% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 85.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59345.

Assets

$34M

Deposits

$4M

Loans

$1M

Equity

$29M

Profitability

Return on Assets (ROA) -8.62%
Return on Equity (ROE) -9.46%
Net Interest Margin (NIM) 3.66%
Yield on Assets 3.81%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 85.90%
Tier 1 Capital 85.90%
Total Capital Ratio 90.19%
Leverage Ratio 91.26%
Loan-to-Deposit 35.93%

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