Five Rivers Bank
Total assets
$78.1M
▲ +147.7% YoY
Deposits
$49.8M
Loans
$18.8M
Offices
1
ROA (annualized)
-8.08%
peers 0.99%
ROE (annualized)
-14.25%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | Five Rivers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +147.7% | +3.0% | +144.7 pts |
| Deposit growth (YoY) | — | +2.5% | — |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -8.08% | 0.99% | -9.1 pts |
| ROE | -14.3% | 8.1% | -22.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 2025
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 81 E State Rt 4, Paramus, NJ, 07652
- County
- Bergen
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 1
- FDIC cert #
- 59345
- RSSD ID
- 5882500
- Latest call report
- Q2 2026
Total assets last 5 quarters
Deposits last 5 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.1M | $49.8M | $18.8M | $27.4M | $-2.0M | -8.08% | 2.41% | 0.00% |
| Q1 2026 | $37.9M | $8.6M | $3.2M | $28.5M | $-906K | -10.04% | 3.30% | 0.00% |
| Q4 2025 | $34.2M | $3.9M | $1.4M | $29.4M | $-2.4M | -7.28% | 4.52% | 0.00% |
| Q3 2025 | $31.1M | $57K | $0 | $30.1M | $-1.6M | -7.02% | 4.75% | 0.00% |
| Q2 2025 | $31.5M | $0 | $0 | $30.7M | $-1.0M | -6.40% | 4.87% | 0.00% |
Loan mix (Q2 2026): real estate $19.1M · commercial $0 · consumer $38K · securities $0
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.08% | 0.99% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -14.3% | 8.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.88% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 464.5% | 70.8% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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