BlastPoint's Banking Scorecard
Five Rivers Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Paramus, NJ
Five Rivers Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 10.90% below tier average
- - Efficiency Ratio 362.17% above tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - Net Interest Margin 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.9M
+10.8% QoQ
|
-$24.4M |
$62.3M
-0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.0% YoY
|
18% |
| Total Loans ? |
$3.2M
+130.1% QoQ
|
-$31.1M |
$34.3M
-1.5% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.7% YoY
|
Bottom 4.7% in tier |
| Total Deposits ? |
$8.6M
+119.9% QoQ
|
-$43.3M |
$51.8M
-0.6% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.0% YoY
|
Bottom 4.3% in tier |
| Return on Assets ? |
-10.04%
-37.9% QoQ
|
-10.90% |
0.86%
-3.6% YoY
|
0.42%
-40.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 0.7% in tier |
| Net Interest Margin ? |
3.30%
-27.0% QoQ
|
-0.57% |
3.87%
+2.7% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
449.80%
+63.9% QoQ
|
+362.17% |
87.63%
+2.3% YoY
|
81.63%
+9.7% YoY
|
66.84%
-3.8% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
37.17%
+4.7% QoQ
|
-26.94% |
64.11%
-0.9% YoY
|
82.02%
-3.5% YoY
|
76.69%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
18.72%
-41.6% QoQ
|
-5.07% |
23.79%
+0.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.1% YoY
|
36% |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.57%
-26.7% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
79.89%
-12.5% QoQ
|
+53.12% |
26.77%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Top 4.5% in tier |
| Non-Interest Income / Assets ? |
0.01%
-9.7% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.0% YoY
|
Bottom 4.1% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.