Bank Comparison
Monroe Savings Bank vs Five Rivers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| CET1 Ratio | 24.78% | — |
| Tier 1 Capital Ratio | 24.78% | — |
| Total Capital Ratio | 26.03% | — |
| Tier 1 Leverage Ratio | 13.91% | 79.89% |
| Equity / Assets | 13.81% | 75.14% |
Profitability
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| Return on Assets (ROA) | 0.69% | -10.16% |
| Return on Equity (ROE) | 5.04% | -12.52% |
| Net Interest Margin (NIM) | 3.37% | 3.27% |
| Yield on Earning Assets | 5.22% | 3.83% |
| Cost of Funds | 2.12% | 2.76% |
Asset quality
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| Texas Ratio | 1.40% | 0.00% |
| Non-Performing Loan Ratio | 0.10% | 0.00% |
| Non-Performing Asset Ratio | 0.08% | 0.00% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.04% | 1.15% |
Balance sheet
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| Total Assets | $113,193K | $37,929K |
| Total Deposits | $86,722K | $8,568K |
| Total Loans | $86,057K | $3,222K |
| Total Equity | $15,631K | $28,498K |
| Net Income (quarter) | $196 | $-906 |
Liquidity & funding
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.23% | 37.61% |
| Core Deposit Ratio | 90.98% | 57.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Monroe Savings Bank | Five Rivers Bank |
|---|---|---|
| Headquarters City | WILLIAMSTOWN | PARAMUS |
| Headquarters State | NJ | NJ |
| Asset Tier | Small | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 15 |
| Established | Jan. 1, 1870, midnight | May 12, 2025, 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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