TellerScore

Headquartered in Williamstown, New Jersey, Monroe Savings Bank is a si with $114.0M in total assets and $87.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1870.

Monroe Savings Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 11th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Tier 1 leverage ratio: 14.02%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 98.9% · 10.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.69%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (70 → 76), mostly because the earnings component improved by 10 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202468
Q4 202471
Q1 202573
Q2 202570
Q3 202572
Q4 202577
Q1 202678
Q2 202676
Tier 1 leverage ratio
5.00%9.51%14.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.29%
Q3 202413.02%
Q4 202413.48%
Q1 202513.70%
Q2 202513.70%
Q3 202513.85%
Q4 202513.87%
Q1 202613.91%
Q2 202614.02%
Noncurrent loans
0.22%0.48%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.48%
Q4 20240.36%
Q1 20250.34%
Q2 20250.74%
Q3 20250.62%
Q4 20250.22%
Q1 20260.27%
Q2 20260.52%
Return on assets
0.23%0.46%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.23%
Q3 20240.23%
Q4 20240.25%
Q1 20250.37%
Q2 20250.43%
Q3 20250.50%
Q4 20250.54%
Q1 20260.69%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$114.0M14.02%0.52%0.68%98.9%
Q1 202678$113.2M13.91%0.27%0.69%98.2%
Q4 202577$114.5M13.87%0.22%0.54%98.7%
Q3 202572$111.5M13.85%0.62%0.50%104.9%
Q2 202570$110.2M13.70%0.74%0.43%106.2%
Q1 202573$110.8M13.70%0.34%0.37%106.9%
Q4 202471$108.1M13.48%0.36%0.25%110.0%
Q3 202468$114.7M13.02%0.48%0.23%108.6%
Q2 202471$113.8M13.29%0.25%0.23%108.8%

2,650 peers · $100 million – $1 billion

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).

Capital ratio14.02%
82nd
Total risk-based capital26.01%
94th
Problem loans0.52%
45th
Net charge-offs0.08%
22nd
Return on assets0.68%
18th
Net interest margin3.42%
24th
Efficiency ratio72.5%
25th
Loans to deposits98.9%
12th
Uninsured deposits10.5%
93rd
Loan-loss reserves1.01%
28th
Texas ratio2.7%
50th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank of New JerseyBank Verona, NJ73 out of 100, Strong$107.4M50.5%0.00%vs
GSL Savings BankBank Guttenberg, NJ53 out of 100, Below average$151.2M7.5%0.22%vs
Schuyler Savings BankBank Kearny, NJ72 out of 100, Strong$151.2M14.1%0.36%vs
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
The First National Bank of AbseconBank Absecon, NJ70 out of 100, Strong$195.0M10.2%0.06%vs
The Pennsville National BankBank Pennsville, NJ66 out of 100, Moderate$281.8M10.2%1.41%vs

Deposit insurance

Is my money safe at Monroe Savings Bank?

Yes. Monroe Savings Bank is an FDIC-insured institution (FDIC certificate #30103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.5% of deposits ($9.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.01% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Monroe Savings Bank lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Monroe Savings Bank
Former names
Monroe Savings Bank, SLA; The Monroe Savings and Loan Association of Williamstown New Jersey
Type
SI
FDIC certificate #
30103
RSSD ID
927077
Primary regulator
FDIC
Established
January 1, 1870
Headquarters
114 S Main St, Williamstown, NJ 08094
Employees
14

Quick answers

Monroe Savings Bank: common questions

Is Monroe Savings Bank FDIC insured?

Yes. Monroe Savings Bank is an FDIC-insured institution (FDIC certificate #30103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Monroe Savings Bank's TellerScore?

76 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 Monroe Savings Bank ever failed?

There is no failure record for FDIC certificate #30103 in the FDIC failed bank list.

How many branches does Monroe Savings Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Williamstown

InstitutionScoreAssetsCapitalProblem loansCompare
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA93 out of 100, Very strong$30K30.3%0.00%vs
The Philadelphia Trust CompanyBank Philadelphia, PA93 out of 100, Very strong$27.7M71.8%0.00%vs
Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA91 out of 100, Very strong$276K18.1%0.00%vs