Bank Comparison
Five Rivers Bank vs Liberty Bank of New Jersey
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 comparable rows
Capital adequacy
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 79.89% | 93.12% |
| Equity / Assets | 75.14% | 67.31% |
Profitability
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| Return on Assets (ROA) | -10.16% | -4.94% |
| Return on Equity (ROE) | -12.52% | — |
| Net Interest Margin (NIM) | 3.27% | 2.96% |
| Yield on Earning Assets | 3.83% | 3.13% |
| Cost of Funds | 2.76% | — |
Asset quality
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.15% | — |
Balance sheet
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| Total Assets | $37,929K | $70,598K |
| Total Deposits | $8,568K | $21,536K |
| Total Loans | $3,222K | $0 |
| Total Equity | $28,498K | $47,517K |
| Net Income (quarter) | $-906 | $-630 |
Liquidity & funding
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| Loan-to-Deposit Ratio | 37.61% | 0.00% |
| Core Deposit Ratio | 57.99% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Five Rivers Bank | Liberty Bank of New Jersey |
|---|---|---|
| Headquarters City | PARAMUS | VERONA |
| Headquarters State | NJ | NJ |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 15 | 14 |
| Established | May 12, 2025, midnight | Jan. 21, 2026, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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