Five Rivers Bank: how it compares with its peers
Against 870 U.S. banks with half to twice its assets, Five Rivers Bank's strongest measure in Q2 2026 is assets per employee ($4.3M vs. a $6.4M peer median). Its weakest relative measure is return on assets (-8.08% vs. 1.10%).
| Measure | Five Rivers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -8.08% | 1.10% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.41% | 3.90% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 464.46% | 66.93% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.4M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 37.72% | 72.46% | Context |
What it means for lending operations
Its efficiency ratio of 464.46% is above the 66.93% 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
- Bank of Evergreen Evergreen, AL · $78M
- First National Bank of South Padre Island South Padre Island, TX · $78M
- The First National Bank of Ava Ava, IL · $78M
- Sherwood Community Bank Creighton, MO · $78M
- Citizens Savings Bank Marshalltown, IA · $78M
- Pavillion Bank Richardson, TX · $78M
Questions about Five Rivers Bank
How big is Five Rivers Bank?
Five Rivers Bank, established in 2025, is headquartered in Paramus, NJ. It reported $78M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Five Rivers Bank's return on assets?
-8.08% annualized in Q2 2026, against a 1.10% median for 870 U.S. banks with half to twice its assets, ahead of 0% of them.
What is Five Rivers Bank's efficiency ratio?
464.46% in Q2 2026: it spent about 464 cents in noninterest expense for each dollar of revenue. The peer median is 66.93%, and lower is better.
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.