Five Rivers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 41.10 percentage points higher than in Q1 2026, at 63.69%. On return on assets, Five Rivers Bank is 1st from the bottom among 49 New Jersey banks, -9.34% (Q2 2026). Five Rivers Bank's return on assets of -9.34% is well below the 1.00% median for banks in the < $100M asset tier, a gap of 10.34 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 57.11% |
| Equity capital to assets | 35.04% |
| Tangible equity to tangible assets | 35.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -9.34% |
| Return on equity | -16.02% |
| Net interest margin | 2.49% |
| Efficiency ratio | 479.59% |
| Yield on earning assets | 4.28% |
| Cost of funds | 3.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.17% |
| Core deposits to total deposits | 52.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 63.69% |
| Securities to assets | — |
Vital Signs trend
Last 5 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q2 2025 | 96.75% | — | — | — | — |
| Q3 2025 | 96.26% | -8.16% | 4.35% | — | — |
| Q4 2025 | 91.26% | -8.74% | 3.78% | 0.00% | 0.00% |
| Q1 2026 | 79.89% | -10.16% | 3.27% | 0.00% | 0.00% |
| Q2 2026 | 57.11% | -9.34% | 2.49% | 0.00% | 0.00% |
Five Rivers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Five Rivers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Five Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59345) · FFIEC NIC profile (RSSD 5882500)