Monroe Savings Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Monroe Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.68% vs. 1.19%).
| Measure | Monroe Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.19% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.42% | 3.95% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.48% | 64.88% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.5M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.85% | 74.71% | Context |
What it means for lending operations
Its efficiency ratio of 72.48% is above the 64.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Richland County Bank Richland Center, WI · $114M
- Farmers State Bank of Underwood Underwood, MN · $114M
- Farmers and Mechanics Federal Savings Bank Bloomfield, IN · $114M
- Spring Valley Bank Wyoming, OH · $114M
- Security State Bank of Aitkin Aitkin, MN · $114M
- Morganton Savings Bank, S.S.B. Morganton, NC · $114M
Questions about Monroe Savings Bank
How big is Monroe Savings Bank?
Monroe Savings Bank, established in 1870, is headquartered in Williamstown, NJ. It reported $114M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Monroe Savings Bank's return on assets?
0.68% annualized in Q2 2026, against a 1.19% median for 999 U.S. banks with half to twice its assets, ahead of 22% of them.
What is Monroe Savings Bank's efficiency ratio?
72.48% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 64.88%, and lower is better.
Is Monroe Savings Bank growing its loans?
Net loans shrank 4.1% over the year to Q2 2026, while deposits grew 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.