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Monroe Savings Bank
Williamstown, NJ · FDIC Certificate #30103 · Chartered 01/0
Total assets
$113.97M
Total deposits
$87.23M
Total equity
$15.82M
Net loans
$86.22M
Branches (offices)
2
Net income (YTD)
$388.00K
Rank: #3,579 of 4,213 U.S. banks by assets · #47 of 49 in New Jersey. Assets changed 3.4% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 4.96% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 13.88% |
| Tier 1 leverage ratio | 14.02% |
| Uninsured deposits (share of deposits) | 10.5% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 98.9% |
| Real estate loans (share of loans) | 71.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.01M | 71.9% | |
| Commercial & industrial | $905.00K | 1.0% | |
| Consumer / individual | $24.17M | 28.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $109.68M | $82.33M | $100.00K | $13.91M |
| Jun 2023 | $107.08M | $80.08M | $202.00K | $14.28M |
| Jun 2024 | $113.77M | $84.65M | $128.00K | $14.60M |
| Jun 2025 | $110.24M | $84.63M | $236.00K | $15.05M |
| Jun 2026 | $113.97M | $87.23M | $388.00K | $15.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $87.23M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $87.23M.
Similar-sized banks
Richland County Bank ($114.10M) · Farmers State Bank Of Underwood ($113.77M)
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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