Total Assets
$114M
Total balance-sheet footings
FDIC Cert #30103 · Williamstown, New Jersey · Est. 1870
Monroe Savings Bank - FDIC Bank Health Profile
A community-scale look at Monroe Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $114M
- Total assets
- B
- Health grade · Good
- 0.54%
- Return on assets
- 23.8%
- Tier 1 capital
Data updated July 2026
The verdict
Monroe Savings Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 23.79% Tier 1, 0.54% ROA, 74% efficiency ratio.
- #3,627
- largest of 4,313 FDIC banks by assets
- 16th
- percentile by asset size, nationally
- 23.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Monroe Savings Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Monroe Savings Bank's composite health score
Tier 1 Capital Ratio (23.79%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (1.15%) 20/20
Efficiency Ratio (73.72%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$88M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$604K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Monroe Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Monroe Savings Bank's score of 78/100 falls in the highlighted band.
Monroe Savings 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). Monroe Savings Bank's $114M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.79%
Texas Ratio
1.15%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
4.00%
Efficiency Ratio
73.72%
What the numbers say about Monroe Savings Bank
Monroe Savings Bank is an FDIC-insured institution (Certificate #30103) headquartered in Williamstown, New Jersey, established in 1870. It holds $114M in total assets - 3,627th of 4,313 FDIC-insured banks, $88M in customer deposits, and $87M in net loans. On safety, its Tier 1 capital ratio of 23.79% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.15% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Monroe Savings Bank ranks 49th of 51 banks based in New Jersey -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$50K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Monroe Savings Bank reports a Texas Ratio of 1.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Monroe Savings Bank (FDIC Cert #30103) - 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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Monroe Savings Bank's health grade?▼
Monroe Savings Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Monroe Savings Bank?▼
Monroe Savings Bank holds $114M in total assets and $88M in deposits, ranking 3,627th of 4,313 FDIC-insured banks by asset size. It is headquartered in Williamstown, New Jersey.
Is my money safe at Monroe Savings Bank?▼
Yes, deposits at Monroe Savings Bank (Certificate #30103) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Monroe Savings Bank's Tier 1 Capital Ratio?▼
Monroe Savings Bank has a Tier 1 Capital Ratio of 23.79%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Monroe Savings Bank?▼
Monroe Savings Bank has a Texas Ratio of 1.15%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Monroe Savings Bank?▼
Monroe Savings Bank has an Efficiency Ratio of 73.72%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Monroe Savings Bank's profile as a depositor or analyst.
- Monroe Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Monroe Savings Bank against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.