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Monroe Savings Bank

$100M-$1B Specialty: Mortgage NJ FDIC cert 30103

Designations: ✓ Mutual

Williamstown, NJ

2 branches across NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits +3.1% year over year ($87.2M on the books).
  • Delinquency rate 0.52%.
  • Return on assets 0.68%.
  • Efficiency ratio 72.48% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.85% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

Monroe Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.7% in tier
  • - Liquidity Strain: Bottom 10.0% in tier
  • - Non-Interest-Bearing Deposit Share 16.55% below tier average
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.64% below tier average
  • - Net Interest Margin 0.57% below tier average
  • - Efficiency Ratio 8.00% above tier average
Get updates when Monroe Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $114.0M
+3.4% YoY +0.7% QoQ
-$272.6M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
Bottom 3.7% in tier
Total Loans ? $86.2M
-4.1% YoY +1.2% QoQ
-$172.1M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Bottom 13.1% in tier
Total Deposits ? $87.2M
+3.1% YoY +0.6% QoQ
-$239.5M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
Bottom 1.8% in tier
Return on Assets ? 0.68%
+58.4% YoY -1.1% QoQ
-0.64% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 3.42%
-1.9% YoY +0.8% QoQ
-0.57% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 72.48%
-0.0% YoY +0.5% QoQ
+8.00% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.52%
-30.3% YoY +92.0% QoQ
-0.40% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 98.85%
-7.0% YoY +0.7% QoQ
+20.90% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 11.6% in tier
Non-Interest-Bearing Deposit Share ? 5.48%
+57.4% YoY +13.1% QoQ
-16.55% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 4.1% in tier
Nonperforming Asset Ratio ? 0.39%
-35.4% YoY +93.0% QoQ
-0.27% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 24.75%
+8.5% YoY -0.1% QoQ
+8.84% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Top 7.1% in tier
Non-Interest Income / Assets ? 0.05%
+100.9% YoY +27.7% QoQ
-0.52% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Bottom 5.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 5.5%
+2.0pp YoY
+0.6pp QoQ
 -16.7pp 22.1% 16.6% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 1.0%
0.0pp YoY
0.0pp QoQ
 -10.5pp 11.6% 6.5% 12.5% 4%
CRE n/a n/a 39.5% 56.3% 41.4% n/a
1-4 Family 65.9%
+0.8pp YoY
+0.2pp QoQ
 +33.3pp 32.6% 39.4% 31.3% 93%
Consumer 28.0%
-0.3pp YoY
-0.2pp QoQ
 +23.9pp 4.1% 4.3% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 24.8%
+1.9pp YoY
0.0pp QoQ
 +5.9pp 18.8% 18.8% 19.7% 88%
Leverage Ratio 14.0%
+0.3pp YoY
+0.1pp QoQ
 +1.9pp 12.2% 13.4% 12.6% 82%
Total Capital Ratio 26.0%
+1.9pp YoY
0.0pp QoQ
 +6.1pp 19.9% 19.8% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 14
0 YoY
0 QoQ
 -45 58 336 482 3%
Assets per Employee ($) $8.1M
+3.4% YoY
+0.7% QoQ
 +$622K $7.5M $11.2M $8.8M 69%
Branch Count 2
0 YoY
0 QoQ
 -3 4 20 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.1% 0.4% 64%
Nonaccrual 0.3%
+0.2pp YoY
+0.2pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 41%
Allowance Coverage 1.96x
+35.4% YoY
-49.2% QoQ
 -22.19x 24.15x 6.57x 20.23x 47%
Net Charge-off Rate (YTD) 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 5.0%
+1.8pp YoY
-0.1pp QoQ
 -7.2pp 12.2% 6.4% 11.6% 13%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.9% 1.7% 62%
Net Income ($, YTD) $388,000
+64.4% YoY
— QoQ
 -$2.2M $2.6M $19.8M $40.4M 8%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#58 of 742 • Bottom 7.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.75%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 98.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#70 of 691 • Bottom 10.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.85%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

189
Tier 1 Capital Ratio
capital
Value: 24.75%
Peer Median: 15.91%
#189 of 2643 Top 7.1% in $100M-$1B

Top Weaknesses (9 metrics)

2596
Total Deposits
size
Value: $87.23M
Peer Median: $326.73M
#2596 of 2643 Bottom 1.8% in $100M-$1B
2545
Total Assets
size
Value: $113.97M
Peer Median: $386.57M
#2545 of 2643 Bottom 3.7% in $100M-$1B
2535
Non-Interest-Bearing Deposit Share
funding
Value: 5.48%
Peer Median: 22.03%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2505
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2505 of 2643 Bottom 5.3% in $100M-$1B
2337
Loan-to-Deposit Ratio
liquidity
Value: 98.85%
Peer Median: 77.95%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2299
Total Loans
size
Value: $86.22M
Peer Median: $258.35M
#2299 of 2643 Bottom 13.1% in $100M-$1B
2164
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2164 of 2643 Bottom 18.2% in $100M-$1B
2009
Net Interest Margin
profitability
Value: 3.42%
Peer Median: 3.99%
#2009 of 2643 Bottom 24.0% in $100M-$1B
1990
Efficiency Ratio
profitability
Value: 72.48%
Peer Median: 64.48%
#1990 of 2643 Bottom 24.7% in $100M-$1B
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