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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