BlastPoint's Banking Scorecard

Five Rivers Bank

under $100M Specialty: Other NJ FDIC cert 59345

Designations: ✓ Community bank ✓ Minority Depository Institution

Paramus, NJ

536 banks in the under $100M peer group nationally 1 in NJ

Five Rivers Bank has 2 strengths but faces 4 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 1.48% below tier average
+ Nonperforming Asset Ratio 0.84% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 9.08% below tier average
- Net Interest Margin 1.50% below tier average
- Efficiency Ratio 345.06% above tier average
- Non-Interest Income / Assets 1.37% below tier average

Get updates when Five Rivers 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 ?	$78.1M +147.7% YoY +106.0% QoQ	+$15.7M	$62.4M -0.0% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$18.8M +489.4% QoQ	-$16.1M	$34.9M -0.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$49.8M +480.8% QoQ	-$1.9M	$51.6M -0.2% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	-8.08% -26.2% YoY +19.5% QoQ	-9.08%	1.00% +3.5% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 1.5% in tier
Net Interest Margin ?	2.41% -50.5% YoY -26.8% QoQ	-1.50%	3.91% +2.3% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	464.46% +96.4% YoY +3.3% QoQ	+345.06%	119.40% +49.6% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 1.1% in tier
Delinquency Rate ?	0.00%	-1.48%	1.48% +31.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	37.72% +1.5% QoQ	-36.49%	74.21% +12.6% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	Top 14.9% in tier
Non-Interest-Bearing Deposit Share ?	8.76% -53.2% QoQ	-14.73%	23.49% +0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 13.4% in tier
Nonperforming Asset Ratio ?	0.00%	-0.84%	0.84% +23.0% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	57.11% -41.0% YoY -28.5% QoQ	+29.99%	27.13% +3.0% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	Top 7.6% in tier
Non-Interest Income / Assets ?	0.01% +45.6% QoQ	-1.37%	1.38% +6.3% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 3.5% 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	8.8% -10.0pp QoQ	-15.9pp	24.6%	16.6%	22.2%	9%
Brokered Deposits	n/a	n/a	9.8%	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	n/a	n/a	13.4%	6.5%	12.5%	n/a
CRE	101.4%	+76.1pp	25.2%	56.3%	41.4%	99%
1-4 Family	0.3%	-34.7pp	35.0%	39.4%	31.3%	2%
Consumer	0.2%	-7.5pp	7.7%	4.3%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	38.7%	18.8%	19.7%	n/a
Leverage Ratio	57.1% -39.6pp YoY -22.8pp QoQ	+39.4pp	17.7%	13.4%	12.6%	96%
Total Capital Ratio	n/a	n/a	39.7%	19.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	18 +5 (+38.5%) YoY +3 (+20.0%) QoQ	+6	12	336	482	84%
Assets per Employee ($)	$4.3M +78.9% YoY +71.7% QoQ	-$1.8M	$6.2M	$11.2M	$8.8M	26%
Branch Count	1 0 YoY 0 QoQ	-1	1	20	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	1.7%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	6.41x	6.57x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	-14.2% -7.7pp YoY -1.7pp QoQ	-20.6pp	6.4%	6.4%	11.6%	4%
Cost of Funds (YTD)	1.1% +0.5pp QoQ	-0.4pp	1.4%	1.9%	1.7%	30%
Net Income ($, YTD)	$-2025000.0 -100.5% YoY — QoQ	-$2.3M	$317,817	$19.8M	$40.4M	1%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.48%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.84%

#1 of 536 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 57.11%

Peer Median: 27.13%

#42 of 536 Top 7.6% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 37.72%

Peer Median: 74.21%

#81 of 536 Top 14.9% in under $100M

Top Weaknesses (5 metrics)

531

Efficiency Ratio

profitability

Value: 464.46%

Peer Median: 119.40%

#531 of 536 Bottom 1.1% in under $100M

529

Return on Assets

profitability

Value: -8.08%

Peer Median: 1.00%

#529 of 536 Bottom 1.5% in under $100M

518

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 1.38%

#518 of 536 Bottom 3.5% in under $100M

506

Net Interest Margin

profitability

Value: 2.41%

Peer Median: 3.91%

#506 of 536 Bottom 5.8% in under $100M

465

Non-Interest-Bearing Deposit Share

funding

Value: 8.76%

Peer Median: 23.49%

#465 of 536 Bottom 13.4% in under $100M