| Metric | Manasquan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.5% | +3.4 pts |
| Deposit growth (YoY) | +10.2% | +5.1% | +5.1 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 0.67% | 1.26% | -0.6 pts |
| ROE | 7.2% | 12.2% | -5.0 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.59B | $3.12B | $2.97B | $334.6M | $11.7M | 0.67% | 3.21% | 0.53% |
| Q1 2026 | $3.46B | $2.99B | $2.86B | $325.9M | $3.3M | 0.39% | 3.16% | 0.62% |
| Q4 2025 | $3.43B | $2.97B | $2.83B | $315.0M | $27.9M | 0.84% | 3.06% | 0.71% |
| Q3 2025 | $3.39B | $2.94B | $2.77B | $306.7M | $20.9M | 0.85% | 3.01% | 0.71% |
| Q2 2025 | $3.30B | $2.83B | $2.78B | $297.0M | $13.0M | 0.80% | 2.94% | 0.61% |
| Q1 2025 | $3.25B | $2.75B | $2.73B | $289.6M | $6.0M | 0.75% | 2.83% | 0.48% |
| Q4 2024 | $3.17B | $2.67B | $2.67B | $281.8M | $17.6M | 0.58% | 2.76% | 0.50% |
| Q3 2024 | $3.07B | $2.63B | $2.59B | $277.4M | $13.5M | 0.60% | 2.76% | 0.04% |
Loan mix (Q2 2026): real estate $2.73B · commercial $253.2M · consumer $5.3M · securities $190.3M
| Ratio | Manasquan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 12.2% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 59.0% | 52nd |
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 | Manasquan Bank | Trend (8q) | 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 | Manasquan Bank | Trend (8q) | 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 | Manasquan Bank | Trend (8q) | 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 | Manasquan Bank | Trend (8q) | 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 | Manasquan Bank | Trend (8q) | 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.
15 branches in 3 counties across 1 state (+0 vs 2024) · $2.83B branch deposits. Biggest market: Monmouth, NJ, ranked 8th with 5.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monmouth, NJ | 9 | $1.71B | 5.51% | 8th |
| Ocean, NJ | 5 | $797.3M | 3.29% | 9th |
| Middlesex, NJ | 1 | $320.5M | 0.62% | 19th |
New Jersey: 23rd with 0.63% · New York-Newark-Jersey City metro: 54th, 0.10% ·
Branch count: 2022 16 · 2023 15 · 2024 15 · 2025 15