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Monroe Savings Bank

Williamstown, NJ · Cert 30103

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Monroe Savings Bank

Williamstown, NJ · Cert 30103

SI · FDIC · 2 branches

Q2 2026

$114.0MAssets
$87.1MLoans
$87.2MDeposits
$15.8MEquity
Loan mix
71%RE $61.1M1%C&I $0.9M28%Consumer $24.1MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $82.4M5%Noninterest $4.8MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.27%Q2 ’255.17%Q2 ’26+5%-1%

Non-interest income vs. expense

2.47%Q2 ’242.48%Q2 ’252.50%Q2 ’26+0%-1%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #65 of 88 inst. · $0.1B of $685.1B

Executive Summary

  • Earnings: ROA of 0.68%, up 25 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.52% of loans (-22 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 14.02%, up 33 bps from a year ago.
  • Funding: loans stand at 99.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-2 bps YoY

Efficiency Ratio (YTD, annualized)

72.48%-4 bps YoY

Tier 1 Leverage Ratio

14.02%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.50%0.54%0.69%0.68%+25 bps
Return on Equity3.17%3.65%4.00%5.04%4.96%+180 bps
Net Interest Margin3.37%3.43%3.41%3.34%3.35%-2 bps
Efficiency Ratio72.52%74.29%73.72%72.11%72.48%-4 bps
Non-Interest Burden2.43%2.53%2.50%2.37%2.40%-3 bps
Growth
Asset Growth (YoY)-3.11%-2.84%5.91%2.12%3.39%+649 bps
Loan Growth (YoY)-2.28%-1.18%-4.28%-6.65%-4.16%-188 bps
Deposit Growth (YoY)-0.02%2.16%6.57%1.64%3.06%+309 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.62%0.22%0.27%0.52%-22 bps
Net Charge-Offs / Loans0.20%0.13%0.13%0.16%0.08%-12 bps
Allowance / Loans1.07%1.05%1.06%1.04%1.01%-6 bps
Allowance Coverage of NPLs1.4x1.7x4.9x3.9x2.0x+0.5x
Capital
Tier 1 Leverage Ratio13.70%13.85%13.87%13.91%14.02%+33 bps
Total Risk-Based Capital24.06%24.50%25.05%26.03%26.01%+194 bps
Equity / Assets13.65%13.68%13.51%13.81%13.88%+23 bps
Liquidity & Funding
Loans / Deposits107.39%106.05%99.72%99.23%99.86%-753 bps
Liquid Assets / Assets11.82%12.72%17.02%16.91%16.29%+447 bps
CRE / Total Capitaln/a35.13%33.89%32.90%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Monroe Savings Bank

Williamstown, NJ · Cert 30103 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 2 branches

Q2 2026

$114.0MAssets
$87.1MLoans
$87.2MDeposits
$15.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 68% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 10 of 31).
  • Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 24 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.68%

Rank 21 of 31

Net Interest Margin

3.35%

Rank 14 of 31

Efficiency Ratio

72.48%

Rank 18 of 31

Equity / Assets

13.88%

Rank 15 of 31

Non-interest income vs. expense

$0.1M$2.8MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 45% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 72.48%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.63%0.93%2.39%Beats 32%21 / 31
Return on Equity4.91%4.15%7.07%14.29%Beats 32%21 / 31
Net Interest Margin3.35%2.72%3.26%3.84%Beats 55%14 / 31
Efficiency Ratio72.48%49.04%63.83%80.34%Beats 45%18 / 31
Asset Quality
Nonperforming Loans / Loans0.52%0.00%0.24%1.22%Beats 44%16 / 27
Net Charge-Offs / Loans0.06%n/an/a0.01%Beats 15%24 / 27
Capital
Tier 1 Capital Ratio24.75%13.01%19.43%42.39%Beats 68%10 / 31
Total Risk-Based Capital Ratio26.01%13.95%20.55%43.38%Beats 68%10 / 31
Equity / Assets13.88%9.21%12.36%21.28%Beats 52%15 / 31
Liquidity & Funding
Loans / Deposits99.86%52.41%83.15%99.86%74th pctl8 / 31
Loans / Assets76.43%37.80%67.87%79.23%65th pctl11 / 31
Brokered Deposits / Depositsn/aNot reported for this institution