Manasquan 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 Reserve coverage of non-performing loans: 4.83 percentage points lower than in Q1 2026, at 68.46%. Within New Jersey, Manasquan Bank is 18th of 49 on return on assets, 0.95% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Manasquan Bank sits 0.32 points lower, at 0.95% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 11.94% |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 9.33% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 10.29% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 68.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 10.12% |
| Net interest margin | 3.22% |
| Efficiency ratio | 57.42% |
| Yield on earning assets | 5.29% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.07% |
| Core deposits to total deposits | 86.84% |
| Brokered deposits to total deposits | 0.64% |
| Deposits to assets | 86.90% |
| Securities to assets | 5.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.10% | 12.10% | 13.19% | 9.53% | 0.70% |
| Q4 2023 | 12.11% | 12.11% | 13.16% | 9.33% | 0.89% |
| Q1 2024 | 11.97% | 11.97% | 12.98% | 9.42% | 0.65% |
| Q2 2024 | 11.74% | 11.74% | 12.77% | 9.41% | 0.53% |
| Q3 2024 | 10.77% | 10.77% | 11.74% | 9.43% | 0.62% |
| Q4 2024 | 10.67% | 10.67% | 11.68% | 9.40% | 0.53% |
| Q1 2025 | 10.56% | 10.56% | 11.54% | 9.49% | 0.77% |
| Q2 2025 | 10.70% | 10.70% | 11.60% | 9.47% | 0.87% |
| Q3 2025 | 10.94% | 10.94% | 11.84% | 9.30% | 0.94% |
| Q4 2025 | 10.86% | 10.86% | 11.75% | 9.33% | 0.82% |
| Q1 2026 | 11.13% | 11.13% | 12.07% | 9.65% | 0.39% |
| Q2 2026 | 11.00% | 11.00% | 11.94% | 9.69% | 0.95% |
Manasquan Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Manasquan 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 Manasquan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30470) · FFIEC NIC profile (RSSD 459671)