BlastPoint's Banking Scorecard
Monroe Savings Bank
Designations: ✓ Mutual
Williamstown, NJ
2 branches across NJ
Monroe Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.3% in tier
- - Liquidity Overhang: Bottom 7.0% in tier
- - Non-Interest-Bearing Deposit Share 17.17% below tier average
- - ROA 0.58% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 6.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.2M
+2.1% YoY
-1.1% QoQ
|
-$272.9M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.8% in tier |
| Total Loans ? |
$85.2M
-6.7% YoY
-2.1% QoQ
|
-$170.6M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.5% in tier |
| Total Deposits ? |
$86.7M
+1.6% YoY
-1.6% QoQ
|
-$241.2M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.7% in tier |
| Return on Assets ? |
0.69%
+86.6% YoY
+26.6% QoQ
|
-0.58% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.39%
-1.4% YoY
-3.7% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
72.11%
-2.2% YoY
-2.2% QoQ
|
+6.82% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.27%
-21.4% YoY
+24.8% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
98.20%
-8.2% YoY
-0.5% QoQ
|
+21.57% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.85%
+42.9% YoY
+4.9% QoQ
|
-17.17% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-28.2% YoY
+23.6% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
24.78%
+9.9% YoY
+4.1% QoQ
|
+8.95% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Top 6.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
+157.0% YoY
-15.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.7% in tier |
Get Full Access to Monroe Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.