Monroe Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monroe Savings Bank of Williamstown, NJ against its peer group of 2672 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 | 0.68% | 1.34% | -0.66% | 18th bottom |
| ROAE | 4.88% | 13.32% | -8.44% | 14th bottom |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 72.86% | 61.14% | +11.72% | 23rd bottom |
| PPNR / Avg Assets | 0.93% | 1.68% | -0.75% | 18th bottom |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 2.14% | 1.88% | +0.26% | 29th below |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 309.12% | 1538.82% | -1229.70% | 61st above |
| Texas Ratio | 2.69% | 7.33% | -4.64% | 56th above |
| Provision / NCO | -33.33% | 1395.73% | -1429.06% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.75% | 19.50% | +5.25% | 88th top |
| Tier 1 Ratio | 24.75% | 19.53% | +5.22% | 88th top |
| Total Capital Ratio | 26.01% | 20.62% | +5.39% | 88th top |
| Leverage Ratio | 14.02% | 12.14% | +1.88% | 81st top |
| Equity / Assets | 13.88% | 11.37% | +2.51% | 84th top |
| TCE / Tangible Assets | 13.88% | 11.09% | +2.79% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.86% | 80.63% | +19.23% | 11th bottom |
| Core Deposit Ratio | 90.89% | 86.86% | +4.03% | 60th above |
| Wholesale Funding Ratio | 8.77% | 5.03% | +3.74% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.39% | 6.85% | -3.46% | 42nd below |
| Loan Growth (Y/Y) | -4.16% | 7.90% | -12.06% | 9th bottom |
| Deposit Growth (Y/Y) | 3.06% | 6.29% | -3.23% | 43rd below |
See Monroe Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monroe Savings 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 Monroe Savings Bank profile, how to read a UBPR, or how this data updates.