Five Rivers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Five Rivers Bank of Paramus, NJ against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -9.34% | 0.85% | -10.19% | 1st bottom |
| ROAE | -16.02% | 5.23% | -21.25% | 3rd bottom |
| Net Interest Margin | 2.49% | 3.94% | -1.45% | 6th bottom |
| Efficiency Ratio | 479.59% | 74.96% | +404.63% | 0th bottom |
| Yield on Earning Assets | 4.28% | 5.42% | -1.14% | 17th bottom |
| Cost of Funds | 3.51% | 1.69% | +1.82% | 3rd bottom |
| Net Interest Spread | 1.64% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.17% | — | — | 44th below |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 57.11% | 14.13% | +42.98% | 89th top |
| Equity / Assets | 35.04% | 13.07% | +21.97% | 88th top |
| TCE / Tangible Assets | 35.04% | — | — | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 38.17% | 68.58% | -30.41% | 85th top |
| Core Deposit Ratio | 52.27% | 88.79% | -36.52% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 147.70% | — | — | 100th top |
See Five Rivers Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Five Rivers Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Five Rivers Bank profile, how to read a UBPR, or how this data updates.