$37.9M
New institution — no prior-year comparison
FDIC
ASSETFR
Five Rivers Bank
Paramus, New JerseyFDIC Cert #59345
STATEEstablished 20251 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFive Rivers Bank reported $37.9M in total assets.
Return on assets was −10.04%. The leverage ratio was 79.89%.
New institution — no prior-year comparison. Acquisitions and unusual business models can also make reported growth less comparable.
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$8.57M
New institution — no prior-year comparison
FDIC
DEP$3.19M
New institution — no prior-year comparison
FDIC
LNLSNET−10.04%
New institution — no prior-year comparison
FDIC
NETINC + ROA449.80%
New institution — no prior-year comparison
FDIC
NONIX + NIM + NONII + EEFFR79.89%
New institution — no prior-year comparison
FDIC
RBC1AAJPercentiles compare this bank with official ffiec ubpr peer group.
Side-by-side comparison
Five Rivers Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
−10.04%
Registry median
0.91%
This bank
−12.52%
FFIEC trimmed average
8.53%
This bank
3.30%
Registry median
3.31%
This bank
449.80%
Registry median
62.58%
This bank
FFIEC trimmed average
+5.56%
This bank
FFIEC trimmed average
+7.30%
This bank
0.00%
FFIEC trimmed average
0.64%
This bank
79.89%
FFIEC trimmed average
15.24%
This bank
2.47%
Registry median
2.97%
This bank
Registry median
326%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2025 | $31.5M | $0 |
| Q3 2025 | $31.1M | $57K |
| Q4 2025 | $34.2M | $3.9M |
| Q1 2026 | $37.9M | $8.57M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $841K |
| Investor CRE | $2.38M |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $0 |
| C&I | $0 |
| Agriculture | $0 |
| Other | $0 |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA−10.04%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 0.91%90th 1.99%Observations 26
ROE
FDIC
NETINC + ROE−12.52%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.23%Median 8.37%90th 14.68%Observations 26
NIM
FDIC
NIM + NIMY3.30%48th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.65%Median 3.31%90th 4.31%Observations 26
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR449.80%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.02%Median 62.58%90th 80.43%Observations 26
Deposits YoY
FDIC
DEPToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.00%Median +3.05%90th +11.25%Observations 24
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.38%Median +5.27%90th +18.62%Observations 24
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.48%90th 1.81%Observations 25
Leverage
FDIC
RBC1AAJ79.89%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.29%Median 10.68%90th 25.13%Observations 26
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.47%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.21%Median 2.97%90th 3.84%Observations 26
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 326%90th 435%Observations 17
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Paramus, NJ
FDIC
OFFDOMOpen the New Jersey dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data