Bank Comparison
Manasquan Bank vs Village Bank & Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| CET1 Ratio | 11.13% | 11.29% |
| Tier 1 Capital Ratio | 11.13% | 11.29% |
| Total Capital Ratio | 12.07% | 12.18% |
| Tier 1 Leverage Ratio | 9.65% | 9.84% |
| Equity / Assets | 9.42% | 10.44% |
Profitability
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.39% | 2.29% |
| Return on Equity (ROE) | 4.14% | 22.44% |
| Net Interest Margin (NIM) | 3.12% | 3.60% |
| Yield on Earning Assets | 5.20% | 5.57% |
| Cost of Funds | 2.24% | 2.13% |
Asset quality
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| Texas Ratio | 9.62% | 4.83% |
| Non-Performing Loan Ratio | 1.17% | 0.57% |
| Non-Performing Asset Ratio | 0.97% | 0.44% |
| Net Charge-Off Ratio | 0.58% | -0.02% |
| ACL / Loans | 0.85% | 0.85% |
Balance sheet
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| Total Assets | $3,459M | $3,466M |
| Total Deposits | $2,994M | $2,828M |
| Total Loans | $2,888M | $2,685M |
| Total Equity | $325,946K | $361,991K |
| Net Income (quarter) | $3,317K | $19,865K |
Liquidity & funding
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 96.44% | 94.95% |
| Core Deposit Ratio | 86.65% | 91.70% |
| Uninsured Deposit Ratio | 30.98% | 40.97% |
Identity
| Metric | Manasquan Bank | Village Bank & Trust, N.A. |
|---|---|---|
| Headquarters City | WALL TOWNSHIP | ARLINGTON HEIGHTS |
| Headquarters State | NJ | IL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 25202 |
| Regulator | FDIC | OCC |
| Domestic Branches | 15 | 8 |
| Employees (FTE) | 262 | 109 |
| Established | Jan. 1, 1874, midnight | May 8, 1995, 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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