Manasquan Bank: how it compares with its peers
Against 11 NJ banks with half to twice its assets, Manasquan Bank's strongest measure in Q2 2026 is assets per employee ($13.2M vs. a $12.3M peer median). Its weakest relative measure is return on assets (0.67% vs. 1.23%).
| Measure | Manasquan Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 1.23% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.21% | 3.21% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.58% | 59.57% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.2M | $12.3M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.26% | 100.08% | Context |
What it means for lending operations
Its efficiency ratio of 59.58% is above the 59.57% 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
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited Hoboken, NJ · $3.92B
- Unity Bank Clinton, NJ · $3.18B
- Spencer Savings Bank, SLA Elmwood Park, NJ · $4.04B
- Amboy Bank Old Bridge, NJ · $3.12B
- BCB Community Bank Bayonne, NJ · $3.12B
- First Bank Hamilton, NJ · $4.09B
Questions about Manasquan Bank
How big is Manasquan Bank?
Manasquan Bank, established in 1874, is headquartered in Manasquan, NJ. It reported $3.59B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Manasquan Bank's return on assets?
0.67% annualized in Q2 2026, against a 1.23% median for 11 NJ banks with half to twice its assets, ahead of 27% of them.
What is Manasquan Bank's efficiency ratio?
59.58% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 59.57%, and lower is better.
Is Manasquan Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 10.2%.
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 NJ 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.