BlastPoint's Banking Scorecard
Monroe Savings Bank
Micro
Specialty: Mortgage
NJ
FDIC cert 30103
Designations: ✓ Community bank ✓ Mutual
Williamstown, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Monroe Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.94% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.77% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$114.5M
+5.9% YoY
+2.7% QoQ
|
-$103.0M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$87.0M
-4.4% YoY
-3.0% QoQ
|
-$52.2M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$88.1M
+6.6% YoY
+3.1% QoQ
|
-$95.5M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.54%
+120.9% YoY
+9.4% QoQ
|
-0.54% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.53%
+6.4% YoY
-0.3% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
73.72%
-1.3% YoY
-0.8% QoQ
|
+5.99% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.22%
-40.6% YoY
-65.5% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
98.66%
-10.3% YoY
-6.0% QoQ
|
+24.14% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.62%
+46.9% YoY
-7.9% QoQ
|
-17.77% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-46.4% YoY
-67.4% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
23.79%
+6.3% YoY
+2.3% QoQ
|
+14.94% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.04%
+2.6% YoY
+24.9% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.79%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.62%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
37
37th pctile
Total Loans
Current: $87.0M · Tier avg: $139.2M
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
31
31th pctile
Efficiency Ratio
Current: 73.72% · Tier avg: 67.73%
27
27th pctile
Total Assets
Current: $114.5M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.66% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.62% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.62% · Tier avg: 22.39%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.66% · Tier avg: 74.53%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $114.5M · Tier avg: $217.5M
31
31th pctile
Efficiency Ratio
Current: 73.72% · Tier avg: 67.73%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
37
37th pctile
Total Loans
Current: $87.0M · Tier avg: $139.2M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%