Monroe Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Monroe Savings Bank is an FDIC-insured savings bank headquartered in Williamstown, NJ, established in 1870 (FDIC certificate 30103), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $114.0M, up 3.4% from Q2 2025, the 47th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 24.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30103
- Headquarters
- Williamstown, NJ
- Established
- 1870
- Total assets, Q2 2026
- $114.0M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 24.75%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 231271527
- Asset rank in state
- 47th of 49 in New Jersey
Monroe Savings Bank, based in Williamstown, New Jersey, reported $114 million in assets at June 30, 2026, up 3.4% from a year earlier. It shrank its loan book 4.2% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also returns 4.9% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Earnings jumped: net income for the quarter was $192,000, 42% above the same quarter a year earlier. Over the same year, loans shrank 4.2% and deposits grew 3.1%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Monroe Savings Bank reported a CET1 capital ratio of 24.75%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 2.69%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, Monroe Savings Bank is the 47th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $114.0M, loans rose 1.2% and deposits rose 0.6%. 1-4 family residential loans made up 65.3% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 27.2%. The FDIC Summary of Deposits lists 2 offices for it, in Williamstown, NJ. On its Q2 2026 call report, Monroe Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 114 S Main St, Williamstown, NJ 08094
- County
- Gloucester
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1870
- Former names
- Monroe Savings Bank, SLA (1988-2014)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $87.2M
- Allowance for credit losses
- $881K
- Net charge-offs (YTD)
- $36K
- Average total assets
- $113.5M
- Average total loans
- $86.2M
- Average interest-bearing deposits
- $82.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30103
- Fed RSSD
- 927077
- Website
- www.monroesavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Monroe Savings Bank's total assets ran between $107.5M (Q4 2023) and $114.7M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$114.0M total assets against $110.2M; $98.2M total liabilities against $95.2M.
$86.2M net loans and leases against $89.9M; $87.2M total deposits against $84.6M.
$6.7M securities against $6.3M; $18.6M cash and balances due against $11.8M.
$1.5M total interest income against $1.5M; $519K total interest expense against $519K.
$957K net interest income against $948K.
$12K total noninterest income against $10K; $706K total noninterest expense against $683K.
-$10K provision for credit losses against $90K.
$192K net income against $135K.
0.68% return on assets against 0.49%; 3.41% net interest margin against 3.46%.
24.75% CET1 capital ratio against 22.81%; 14.02% tier 1 leverage ratio against 13.70%.
Inside the full Monroe Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMonroe Savings Bank rankings
Its closest position to the top of a national ranking is 160 of 2,134, for CET1 ratio; its furthest is 3,566 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.23% (Q3 2024) to 0.69% (Q1 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.58% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.75% | 0.68% | 0.52% | 2.69% | 3.41% |
| Q1 2026 | 24.78% | 0.69% | 0.27% | 1.40% | 3.37% |
| Q4 2025 | 23.79% | 0.69% | 0.22% | 1.15% | 3.50% |
| Q3 2025 | 23.25% | 0.63% | 0.62% | 3.49% | 3.58% |
| Q2 2025 | 22.81% | 0.49% | 0.74% | 4.19% | 3.46% |
| Q1 2025 | 22.55% | 0.37% | 0.34% | 1.99% | 3.42% |
| Q4 2024 | 22.39% | 0.28% | 0.36% | 2.13% | 3.27% |
| Q3 2024 | 21.93% | 0.23% | 0.48% | 2.82% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Monroe Savings Bank (main office) | Williamstown , NJ | 08094 | $67.3M |
| Williamstown Branch | Williamstown , NJ | 08094 | $19.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 82 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
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Frequently asked about Monroe Savings Bank
What are Monroe Savings Bank's total assets?
As of the Q2 2026 filing, Monroe Savings Bank reported total assets of $114.0 million in its FFIEC call report.
Where is Monroe Savings Bank headquartered?
It is headquartered in Williamstown, NJ, United States.
When was Monroe Savings Bank founded?
It was established in 1870, per the FDIC institution directory.
Is Monroe Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Monroe Savings Bank?
Monroe Savings Bank's primary federal regulator is the FDIC.
What is Monroe Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Monroe Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Monroe Savings Bank's Texas Ratio?
Its Texas Ratio is 2.69% 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.
What was Monroe Savings Bank previously called?
The charter now named Monroe Savings Bank has also operated as Monroe Savings Bank, SLA (1988-2014), per FDIC structure-change records.
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