FDIC Cert #59345 · Paramus, New Jersey · Est. 2025

Five Rivers Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$34M
Total assets
C
Health grade · Fair
-7.28%
Return on assets
91.3%
Tier 1 capital

Data updated July 2026

The verdict

Five Rivers Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 91.26% Tier 1, -7.28% ROA, 274% efficiency ratio.

#4,220
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
91.26%
Tier 1 ratio - above the 10% well-capitalized line
0th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 59345 · NJ C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3845/4307
  • PHOTO-FINISH Integrity Bank SSB · TX
  • TIER1-WELL 91.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-LOSS -7.28% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Integrity Bank SSB, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Five Rivers Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Altos Bank · CA · near60/100BankMiami · FL · near60/100Five Rivers Bank · NJ · this…60/100Four States Bank · MO · near60/100Integrity Bank SSB · TX · ne…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Five Rivers Bank · July 2026

What Five Rivers Bank's Call Report plate shows

Five Rivers Bank (FDIC Cert #59345) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,845 of 4,307. Tier 1 capital prints at 91.26%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -7.28%. Balance-sheet scale is $34M, 4,220th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Integrity Bank SSB (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Five Rivers Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

Five Rivers Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Five Rivers Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How Five Rivers Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Five Rivers Bank's composite health score
Tier 1 Capital Ratio (91.26%) 40/40
Return on Assets (ROA) (-7.28%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (274.38%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$34M

Total balance-sheet footings

Total Deposits

$4M

Customer-funded liabilities

Net Loans

$1M

Outstanding loan book

Net Income

$-2,352K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 89.86% 91.26% 92.66%
Basel III capital ratios - Five Rivers Bank

Where Five Rivers Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Five Rivers Bank's score of 60/100 falls in the highlighted band.

Five Rivers Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 11th percentile higher than 11% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Five Rivers Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Five Rivers Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Five Rivers Bank's $34M falls in the highlighted band.

Safety ratios for Five Rivers Bank

Tier 1 capital ratio
Well-capitalized 10%

91.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
91.26%
Texas Ratio
0.00%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: Five Rivers Bank

Return on Assets (ROA)
0th percentile nationally
-7.28%
Return on Equity (ROE)
-7.82%
Efficiency Ratio
274.38%

What these mean →

Income & expense: loss period at Five Rivers Bank

$1M
Interest Income
$2K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Five Rivers Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Five Rivers Bank

Five Rivers Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,352K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Five Rivers Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Five Rivers Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($34M here), outside New Jersey so the neighborhood is not state containment.

The Farmers and Merchants State Bank $34M · SD The State Bank of Canton, Canton, Kan… $34M · KS Farmers State Bank of Hoffman $35M · MN The First National Bank of Proctor $35M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Five Rivers Bank (FDIC Cert #59345) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Five Rivers Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%