Five Rivers Bank is a state-chartered bank headquartered in Paramus, New Jersey. At the end of Q2 2026 it reported $78.1M in total assets and $49.8M in deposits, with 1 office.
Based on its Q2 2026 filing, Five Rivers Bank scores 78/100, which we describe as strong. That is higher than 60% of 546 banks with under $100 million in assets. Among 50 banks headquartered in New Jersey, it ranks 9th. Its strongest component is capital cushion (100/100; 57.11%), and its lowest is earnings (0/100; -8.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
5 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the funding & liquidity component weakened by 11 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2025 | 96.75% |
| Q3 2025 | 96.26% |
| Q4 2025 | 91.26% |
| Q1 2026 | 79.89% |
| Q2 2026 | 57.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2025 | -6.40% |
| Q3 2025 | -7.02% |
| Q4 2025 | -7.28% |
| Q1 2026 | -10.04% |
| Q2 2026 | -8.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $78.1M | 57.11% | 0.00% | -8.08% | 37.7% |
| Q1 2026 | 80 | $37.9M | 79.89% | 0.00% | -10.04% | 37.2% |
| Q4 2025 | 80 | $34.2M | 91.26% | 0.00% | -7.28% | 35.5% |
| Q3 2025 | 80 | $31.1M | 96.26% | 0.00% | -7.02% | 0.0% |
| Q2 2025 | 80 | $31.5M | 96.75% | 0.00% | -6.40% | 0.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Deposit insurance
Is my money safe at Five Rivers Bank?
Yes. Five Rivers Bank is an FDIC-insured institution (FDIC certificate #59345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.3% of deposits ($12.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 57.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Five Rivers Bank lists 1 office in 1 city. Most locations:
- Paramus, NJ (1)
Identity & history
Profile
- Legal name
- Five Rivers Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59345
- RSSD ID
- 5882500
- Primary regulator
- FDIC
- Established
- May 12, 2025
- Headquarters
- 81 E State Rt 4, Paramus, NJ 07652
- Website
- www.fiveriversbank.com
- Employees
- 18
Quick answers
Five Rivers Bank: common questions
Is Five Rivers Bank FDIC insured?
Yes. Five Rivers Bank is an FDIC-insured institution (FDIC certificate #59345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Five Rivers Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Five Rivers Bank ever failed?
There is no failure record for FDIC certificate #59345 in the FDIC failed bank list.
How many branches does Five Rivers Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paramus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |