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Five Rivers Bank

Paramus, NJ · Cert 59345

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

92

Q2 2025Q2 2026peer median (50)

Asset Quality

100

Q4 2025Q2 2026peer median (50)

Profitability

3

Q2 2025Q2 2026peer median (50)

Liquidity

0

Q3 2025Q2 2026peer median

Efficiency

1

Q2 2025Q2 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 2026-10-11

Five Rivers Bank

Paramus, NJ · Cert 59345

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.1MAssets
$19.0MLoans
$49.8MDeposits
$27.4MEquity
Loan mix
100%RE $3.2M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $45.4M9%Noninterest $4.4MQ2 2025Q2 2026

NIM

4.65%Q2 ’252.95%Q2 ’26-56%

Non-interest income vs. expense

11.00%Q2 ’259.65%Q2 ’26-13%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #138 of 151 inst. · $0.0B of $2921.1B

Executive Summary

  • Earnings: ROA of -8.08%, down 168 bps year over year; NIM at 2.05%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 57.11%, down 3,964 bps from a year ago.
  • Funding: loans stand at 38.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-8.08%-168 bps YoY

Net Interest Margin (YTD, annualized)

2.05%-260 bps YoY

Efficiency Ratio (YTD, annualized)

464%+22,792 bps YoY

Tier 1 Leverage Ratio

57.11%-3,964 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.40%-7.07%-6.87%-10.04%-8.08%-168 bps
Return on Equity-6.57%-7.30%-8.00%-12.52%-14.25%-768 bps
Net Interest Margin4.65%4.53%4.15%2.81%2.05%-260 bps
Efficiency Ratio237%255%274%450%464%+22,792 bps
Non-Interest Burden11.00%11.55%11.40%12.74%9.62%-138 bps
Growth
Asset Growth (YoY)n/an/an/an/a147.70%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/a0.00%0.00%0.00%n/a
Net Charge-Offs / Loansn/an/a0.00%0.00%0.00%n/a
Allowance / Loansn/an/a1.14%1.15%1.17%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio96.75%96.26%91.26%79.89%57.11%-3,964 bps
Total Risk-Based Capital96.75%96.26%91.26%79.89%57.11%-3,964 bps
Equity / Assets97.47%96.83%85.90%75.14%35.04%-6,243 bps
Liquidity & Funding
Loans / Depositsn/a0.00%35.93%37.61%38.17%n/a
Liquid Assets / Assets96.14%94.32%81.04%75.40%54.59%-4,155 bps
CRE / Total Capitaln/a0.00%4.76%11.31%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 2026-10-11

Five Rivers Bank

Paramus, NJ · Cert 59345 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.1MAssets
$19.0MLoans
$49.8MDeposits
$27.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets (rank 625 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-5.18%

Rank 620 of 629

Net Interest Margin

2.05%

Rank 602 of 629

Efficiency Ratio

464%

Rank 625 of 629

Equity / Assets

35.04%

Rank 54 of 629

Non-interest income vs. expense

$0.0M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 1% of banks under $1B in assets
Bank 464%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-5.18%0.60%1.01%1.45%Beats 1%620 / 629
Return on Equity-14.79%5.38%9.30%13.28%Beats 3%613 / 629
Net Interest Margin2.05%3.03%3.54%4.05%Beats 4%602 / 629
Efficiency Ratio464%58.35%67.79%79.08%Beats 1%625 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio57.11%11.24%13.84%18.77%Beats 92%52 / 629
Total Risk-Based Capital Ratio57.11%11.58%14.43%19.66%Beats 92%52 / 629
Equity / Assets35.04%9.09%10.65%13.80%Beats 91%54 / 629
Liquidity & Funding
Loans / Deposits38.17%67.24%80.90%93.48%6th pctl560 / 594
Loans / Assets24.31%53.31%67.71%78.15%9th pctl572 / 629
Brokered Deposits / Depositsn/aNot reported for this institution