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Five Rivers Bank
Paramus, NJ · FDIC Certificate #59345 · Chartered 05/1
Total assets
$78.14M
Total deposits
$49.76M
Total equity
$27.38M
Net loans
$18.77M
Branches (offices)
1
Net income (YTD)
-$2.02M
Rank: #3,852 of 4,213 U.S. banks by assets · #49 of 49 in New Jersey. Assets changed 147.7% and deposits - over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -8.08% |
| Return on equity | -14.25% |
| Net interest margin (YTD) | 2.41% |
| Equity to assets | 35.04% |
| Tier 1 leverage ratio | 57.11% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 37.7% |
| Real estate loans (share of loans) | 101.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $19.08M | 101.6% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $38.00K | 0.2% | |
| Construction & development | $530.00K | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2025 | $31.54M | $0 | -$1.01M | $30.75M |
| Jun 2026 | $78.14M | $49.76M | -$2.02M | $27.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $49.76M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $49.76M.
Similar-sized banks
First National Bank Of South Padre Island ($78.24M) · Bank Of Evergreen ($78.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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