Five Rivers Bank
BankRegReports is independent of Five Rivers Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Five Rivers Bank is an FDIC-insured commercial bank headquartered in Paramus, NJ, established in 2025 (FDIC certificate 59345), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.1M, the 49th largest of 49 banks headquartered in New Jersey.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59345
- Headquarters
- Paramus, NJ
- Established
- 2025
- Total assets, Q2 2026
- $78.1M
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021214901
- Asset rank in state
- 49th of 49 in New Jersey
Five Rivers Bank, based in Paramus, New Jersey, reported $78 million in assets at June 30, 2026, against $32 million a year earlier. It is losing 16.0% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also keeps 2.49 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
It lost $1.1 million in the quarter. Funding is the softer spot: it pays an average of 3.51% on its deposits and borrowings, about double the median of 1.53% for banks its size.
As of June 30, 2026, Five Rivers Bank reported a return on assets of -9.34%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Five Rivers Bank ranks as the smallest of the 49 banks based in New Jersey, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 106.0% to $78.1M, loans rose 489.5% and deposits rose 480.8%. Its loan book on June 30, 2026 was led by multifamily loans, at 38.7% of total loans, followed by non-owner-occupied commercial real estate loans at 34.4%. The FDIC Summary of Deposits lists a single office for it, in Paramus, NJ. Judged on its Q2 2026 call report, Five Rivers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 81 E State Rt 4, Paramus, NJ 07652
- County
- Bergen
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 12, 2025
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $49.8M
- Allowance for credit losses
- $223K
- Net charge-offs (YTD)
- $0
- Average total assets
- $47.9M
- Average total loans
- $9.4M
- Average interest-bearing deposits
- $16.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 12, 2025
- FDIC Cert
- 59345
- Fed RSSD
- 5882500
- Website
- www.fiveriversbank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Five Rivers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2025 to Q2 2026, Five Rivers Bank's total assets ranged from $31.1M (Q3 2025) to $78.1M (Q2 2026), and it posted no profit in any of the 4 quarters. How these charts are built
$78.1M total assets; $50.8M total liabilities.
$18.8M net loans and leases; $49.8M total deposits.
$0 securities; $58.3M cash and balances due.
$414K total interest income; $173K total interest expense.
$241K net interest income.
$4K total noninterest income; $1.2M total noninterest expense.
$186K provision for credit losses.
-$1.1M net income.
-9.34% return on assets; 2.49% net interest margin.
57.11% tier 1 leverage ratio.
Inside the full Five Rivers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 5 quarters
Across the 5 quarters to Q2 2026, its return on assets ran from -12.71% (Q2 2025) to -8.16% (Q3 2025) and its net interest margin ran from 2.49% (Q2 2026) to 9.64% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 57.11% | -9.34% | 0.00% | 0.00% | 2.49% |
| Q1 2026 | 79.89% | -10.16% | 0.00% | 0.00% | 3.27% |
| Q4 2025 | 91.26% | -8.74% | 0.00% | 0.00% | 3.78% |
| Q3 2025 | 96.26% | -8.16% | — | 0.00% | 4.35% |
| Q2 2025 | 96.75% | -12.71% | — | 0.00% | 9.64% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Five Rivers Bank (main office) | Paramus , NJ | 07652 | $49.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 90 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Five Rivers Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Five Rivers Bank
What are Five Rivers Bank's total assets?
As of the Q2 2026 filing, Five Rivers Bank reported total assets of $78.1 million in its FFIEC call report.
Where is Five Rivers Bank headquartered?
It is headquartered in Paramus, NJ, United States.
When was Five Rivers Bank founded?
It was established in 2025, per the FDIC institution directory.
Is Five Rivers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Five Rivers Bank?
Five Rivers Bank's primary federal regulator is the FDIC.
How many branches does Five Rivers Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Five Rivers Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Five Rivers Bank.
Get an email when Five Rivers Bank files its next call report, and benchmark it against any peer you choose.
Unlock Five Rivers Bank, freeFree account