BlastPoint's Banking Scorecard
Five Rivers Bank
Micro
Specialty: Other
NJ
FDIC cert 59345
Designations: ✓ Community bank
Paramus, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
Five Rivers Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 8.37% below tier
- - Loan-to-Deposit Ratio 39.01% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.2M
+10.1% QoQ
|
-$183.3M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? | $1.4M | -$137.8M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? | $3.9M | -$179.8M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-7.28%
-3.8% QoQ
|
-8.37% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.52%
-4.8% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
274.38%
+7.6% QoQ
|
+206.66% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? | 35.51% | -39.01% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.08%
-34.7% QoQ
|
+9.68% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? | 0.01% | -0.56% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-7.28%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
35.51%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.08% · Tier avg: 22.39%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.51% · Tier avg: 74.53%
4
4th pctile
Total Assets
Current: $34.2M · Tier avg: $217.5M
1
1th pctile
Total Loans
Current: $1.4M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $3.9M · Tier avg: $183.7M
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
0
0th pctile
Return on Assets
Current: -7.28% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -7.28% · Tier avg: 1.08%
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
1
1th pctile
Total Deposits
Current: $3.9M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $1.4M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $34.2M · Tier avg: $217.5M
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.51% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.08% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%