Monroe Savings 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: 728.09 percentage points lower than in Q1 2026, at 309.12%. Within New Jersey, Monroe Savings Bank is 25th of 49 on return on assets, 0.68% as of Q2 2026, below the middle of the field. Monroe Savings Bank reported 0.68% on return on assets for Q2 2026, 0.58 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.75% |
| Tier 1 risk-based capital ratio | 24.75% |
| Total risk-based capital ratio | 26.01% |
| Tier 1 leverage ratio | 14.02% |
| Equity capital to assets | 13.88% |
| Tangible equity to tangible assets | 13.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.69% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 309.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 4.88% |
| Net interest margin | 3.41% |
| Efficiency ratio | 72.86% |
| Yield on earning assets | 5.27% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.86% |
| Core deposits to total deposits | 90.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.53% |
| Securities to assets | 5.87% |
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 | 21.33% | 21.33% | 22.58% | 13.45% | 0.36% |
| Q4 2023 | 21.41% | 21.41% | 22.66% | 13.43% | 0.41% |
| Q1 2024 | 21.70% | 21.70% | 22.95% | 13.49% | 0.22% |
| Q2 2024 | 21.69% | 21.69% | 22.94% | 13.29% | 0.24% |
| Q3 2024 | 21.93% | 21.93% | 23.18% | 13.02% | 0.23% |
| Q4 2024 | 22.39% | 22.39% | 23.64% | 13.48% | 0.28% |
| Q1 2025 | 22.55% | 22.55% | 23.80% | 13.70% | 0.37% |
| Q2 2025 | 22.81% | 22.81% | 24.06% | 13.70% | 0.49% |
| Q3 2025 | 23.25% | 23.25% | 24.50% | 13.85% | 0.63% |
| Q4 2025 | 23.79% | 23.79% | 25.05% | 13.87% | 0.69% |
| Q1 2026 | 24.78% | 24.78% | 26.03% | 13.91% | 0.69% |
| Q2 2026 | 24.75% | 24.75% | 26.01% | 14.02% | 0.68% |
Monroe Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monroe Savings 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 Monroe Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30103) · FFIEC NIC profile (RSSD 927077)