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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

5.28%Q2 ’245.30%Q2 ’255.20%Q2 ’26+7%-2%

Non-interest income vs. expense

2.45%Q2 ’242.47%Q2 ’252.49%Q2 ’26+1%+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 19 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.52% of loans (-22 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.68%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-5 bps YoY

Efficiency Ratio (quarter, annualized)

72.86%+156 bps YoY

Tier 1 Leverage Ratio

14.02%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.63%0.68%0.69%0.68%+19 bps
Return on Equity3.61%4.62%5.03%5.04%4.88%+128 bps
Net Interest Margin3.43%3.54%3.46%3.34%3.37%-5 bps
Efficiency Ratio71.29%77.67%72.04%72.11%72.86%+156 bps
Non-Interest Burden2.43%2.74%2.48%2.37%2.45%+1 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 / Loans0.28%0.00%0.10%0.16%0.00%-27 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