| 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
| 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 | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.08% | 0.99% | 1st | |
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 |
Peer lists, growth filters, CSV export, CRM push.
| 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% |
| 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% |
| Ratio | Five Rivers Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $49.8M branch deposits. Biggest market: Bergen, NJ, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bergen, NJ | 1 | $49.8M | 0.07% | 45th |
New Jersey: 144th with 0.01% · New York-Newark-Jersey City metro: 203rd, 0.00% ·
Branch count: 2025 1 · 2026 1
Spends 1.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).