# MANASQUAN BANK MANASQUAN, NJ · FDIC certificate 30470 · asset band $1-10B · latest filing 2026-06 · live **Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $3.59B | | | Deposits | $3.12B | | | Loans and leases | $2.99B | | | Total equity | $334.6M | | | Loans / deposits | 95.26% (p75 of band) | 87.10% | | Liquid assets / assets | 13.66% (p17 of band) | | | Uninsured deposits / deposits | 32.61% (p55 of band) | 30.76% | | Brokered deposits | 0.56% | | | Wholesale funding | 3.56% (p39 of band) | | | FHLB advances / assets | 3.00% | | | Tier 1 leverage | 9.69% (p28 of band) | 10.50% | | Unrealized securities loss / equity | -2.05% (p80 of band) | -7.75% | | AOCI / equity | 0.18% (p87 of band) | | | ROA (annualized) | 0.67% (p13 of band) | 1.26% | | Net interest margin | 3.21% (p22 of band) | 3.70% | | Efficiency ratio | 59.58% (p52 of band) | | | Noncurrent loans | 0.64% (p59 of band) | 0.51% | | Net charge-offs (annualized) | 0.24% (p88 of band) | | | Reserve coverage of noncurrent | 132.68% | | | Real estate % of loans | 91% | | | Construction % of loans | 72.73% (p74 of band) | | | Auto loans | $605,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p35 of band) | | | Deposits YoY | 10.2% | | | Employees | 271 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | reserve under noncurrent | | | 2011-06 | 1 | | | | 2011-09 | 1 | | | | 2011-12 | 2 | capital falling | | | 2012-03 | 2 | | | | 2012-06 | 1 | | capital falling | | 2012-09 | 1 | | | | 2012-12 | 1 | | | | 2013-03 | 1 | | | | 2013-06 | 0 | | reserve under noncurrent | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 1 | loans exceed deposits | | | 2016-03 | 0 | | loans exceed deposits | | 2016-06 | 1 | capital falling | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 1 | | | | 2017-06 | 1 | | | | 2017-09 | 0 | | capital falling | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 2 | loans exceed deposits, liquid assets <10% | | | 2019-03 | 1 | | liquid assets <10% | | 2019-06 | 0 | | loans exceed deposits | | 2019-09 | 1 | capital falling | | | 2019-12 | 0 | | capital falling | | 2020-03 | 0 | | | | 2020-06 | 1 | losing money | | | 2020-09 | 1 | capital falling | losing money | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 1 | capital falling | | | 2021-12 | 1 | | | | 2022-03 | 0 | | capital falling | | 2022-06 | 0 | | | | 2022-09 | 0 | | | | 2022-12 | 0 | | | | 2023-03 | 1 | uninsured deposits leaving | | | 2023-06 | 1 | | | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 0 | | uninsured deposits leaving | | 2024-06 | 0 | | | | 2024-09 | 0 | | | | 2024-12 | 1 | loans exceed deposits | | | 2025-03 | 0 | | loans exceed deposits | | 2025-06 | 0 | | | | 2025-09 | 2 | capital falling, reserve under noncurrent | | | 2025-12 | 1 | | capital falling | | 2026-03 | 1 | charge-offs p90 | reserve under noncurrent | | 2026-06 | 0 | | charge-offs p90 | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-06-26 [Manasquan Bank Earns Prestigious 2026 USA TODAY Top Workplaces Award - GlobeNewswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPekJ6ZFRvVXhkUzlJMjVwRUpHbllRbV9NNkgzbVRqYkc0a1ZKUEg0M1M3a29leExyajFDQ01DejNEUzM0MWY4QnBkdHdpRjM3b1VUTC1RRk16UFJoc0JjZWNMbWVXUDdVdUJiZFZCNm5KOURfaXZyZGtkX2NDQW1Wc3R1d29rTXVMaDJXaF9RZkZfbEZtcEM1bnFyOVhNNlpXV3BJaDVwTlFsOXBEZkIzd3RzMkx3SjJ0V2laTnJZOTE1cWg2VEVUTjY3bnVUN1hpbndyRFB6bw?oc=5) · GlobeNewswire - 2026-06-16 [Manasquan Bank names 10 students for inaugural scholarship program - ROI-NJ](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeWhlWjUzQnllYWs4b3NGOG5LeWhNcXZneUxJSjNzZWFvNVVrYlVWci1Nb1NTTUYyVElMcUhDVWpfem8ySlczUFZSMENhZkVkSW1RMnoyTTYtYnI5VVZELU0xY042Ri1QTG55VkdmUTRXempsNW8tZzBGenBkd3MwajlTVUVDUVB6S2FUN180ai1UNGNNY3ZlSTZEXzZSeF9heHJQNFgxRm1INTgtSWc?oc=5) · ROI-NJ - 2026-05-14 [Manasquan Bank’s Ralph Tancredi Sr. Recognized in Scotsman Guide and National Mortgage News Rankings - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOSVBFZEdVblRhUmFmU3hzRDFhTjNrZG54Q08xNzRZTE1hQ3lPRXFRU282NEU3ekNzYnpRSmVCWjdRaE0xc0hYQXJ6WlUwUU1WZkZPT2ZzR3ZDdERVMzFVMEtxd3BWQ2RaeW0zSndrNTVlVmIwdFBURjlFVmJnQlJhdmx5ME8wRjRmbVdvclNSeUZkbmZQRUpON3ZqSFpVUQ?oc=5) · Yahoo Finance - 2026-03-09 [Manasquan Bank’s James Vaccaro Appointed President of National Community Depository Institutions Advisory Council - citybiz](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQR2tTM3pSUDM1Q0lDMlFXMWNMX2l3dUg4UEM5NHJ6dER0N0NjN01zMnJvNWhfZTRPNUZ6eURXYm9TV1R2bThQOUVhUjlfWUd3c1lJcTdyWFVndDdyZzF1TndwMVpaSUV2dWtETGpOblo4V0JHcW5Sa2xaTGtqcHZfN0l4bERYSXJZX3ctcmpqTGh0QTMzMXpMS29tYnRWaWM5Uk5Sck93SkpYei0temU0azQ4R3VSZ0FlZ3Z1Vm5qS1BNOEJzMWJsZlo4bnpOd2dLVGVWUm9oRkwwMWJ0Q25SSUZvWVF1UQ?oc=5) · citybiz - 2025-11-19 [Provident leads New Jersey savings banks rankings (updated) - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTFBoSVQzSFdZSmdLTl95emI2ODhsbjhMbVQxQjVuakdFZy0zR0tpZnlBdndPNzBqbDU0UlAxU3d1Rm9EcDlINV9SVXNGMjZnY3kwVEdhNUY1ZlFBRG4tMDBSTUFqdTE1V3hYY1ZzVXlLTV9tNnVBdWc?oc=5) · NJBIZ - 2025-11-04 [Manasquan Bank Charitable Foundation Donates $120,000 to Local Food Pantries and Expands Relief Services Amid Federal Government Shutdown and SNAP Benefit Reductions - PR Newswire](https://news.google.com/rss/articles/CBMiwgJBVV95cUxNalFWTVRGbWNEUmF3Z29nSGRhUkU2UE54bXRRUVUzbG0yVjcxWkYxQjBCVHVQQ2NzMUV1VnBNdDd3SDRkeGxkYktqaHU3S1Bmc0lNdWZGbWhueC01ZHY5STZUZ1NNVU5GZ1ZGQk9hdjlBUzEyVk0zWVNuNFM4bTJsU0I0WjJxcWo5XzRub0p5UE12SDdmcnR1dkV1bmlYZHZDdkdMQXlrZGV5cGxhVDkwcEtyZlNVWjZnVkJqWlZuUTU4WmVXbXJ0RGVacGZHdXFTRGxzM1Zqb1luV1pHTi1GZkc4VHNDUjY2YlFLWE82TVJFS0ZlQ0hya1ZXRWx2Q1RvZm1CSDgwaTl3UGNDQV9jY2ZKVWRrZWEwM0pTMkVIdE1KWFFTUS1uenRCek5GZ29GMEVmRzcySGNzQi1sVTE2WXd3?oc=5) · PR Newswire - 2026-03-10 [Manasquan Bank’s Vaccaro named president of National Community Depository Institutions Advisory Council - ROI-NJ](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPUWJCOW9GTDlJSU8tbnVQaDFoNGRpVzJldGhIT0tldXBrWkh2SXl2WkpZN1BOTUEtN3NSREJUZWRSWVJKdnpjN3hzSE5zMkNSd3N3ck52bTk4eEx4Yi1SNHhpVlRvVkRyOTJoMkgyWjNsVzhja21oNEZSXzQ2WUlIcmFEcnNJSVR3MjdEZGVlVlpGbndUVmVvbXVNa1UtTGptMWJhdmY5cE91dHdfaWFGa2FSXzlfWmhBbnV4aHlCOXNrYW53RTZGVmlRclZjWm5GS3Rndjdqb3VKSndIUmc?oc=5) · ROI-NJ - 2025-09-03 [Manasquan Bank Awards Grant to Collaborative Support Programs of NJ - New Jersey Business & Industry Association](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZS11OEVsb283dm9VX0ROd3NEUzdHbmRBcThVeXNRd0g0SW9rX2lNT0ZqRVBIbk1wUEFEYmtkaEJEUFN1QjRDcmlmN3VFa2tMUFVIUkR2NWZZR1FTbzB0VkhSdUJibXE1eUZjSzJWQlZuOGZ0THBLUEZPbjZwdkRoNVprZmZGaU11RE5naU02UQ?oc=5) · New Jersey Business & Industry Association ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=30470 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "30470", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide