MONROE SAVINGS BANK

WILLIAMSTOWN, NJ | Small | Est. Jan. 1, 1870, midnight | FDIC #30103 | RSSD #927077 | FDIC
Latest Report: 2025-12-31

MONROE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WILLIAMSTOWN, NJ, established in Jan. 1, 1870, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $88M. Profitability stands at 0.68% ROA and 5.03% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 23.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.52%. FDIC Certificate #30103.

Assets

$114M

Deposits

$88M

Loans

$88M

Equity

$15M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 5.03%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.76%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.52%
NPA Ratio 0.08%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 23.79%
Tier 1 Capital 23.79%
Total Capital Ratio 25.05%
Leverage Ratio 13.87%
Loan-to-Deposit 99.72%

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