# FIVE RIVERS BANK
PARAMUS, NJ · FDIC certificate 59345 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $78.1M | |
| Deposits | $49.8M | |
| Loans and leases | $19.0M | |
| Total equity | $27.4M | |
| Loans / deposits | 37.72% (p10 of band) | 73.59% |
| Liquid assets / assets | 74.58% (p95 of band) | |
| Uninsured deposits / deposits | 25.27% (p69 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 57.11% (p96 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -8.08% (p1 of band) | 1.17% |
| Net interest margin | 2.41% (p4 of band) | 3.93% |
| Efficiency ratio | 464.46% (p100 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 1.94% (p23 of band) | |
| Auto loans | $38,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 18 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-06 | 2 | losing money, expense ratio p90 |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 4 | NIM <2.5% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-02 [Five Rivers Bank Appoints Thomas M. Coughlin as President and CEO - GlobeNewswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMEF3YnZIOVhXdTM1SzUtYkVVRVRmbWFmeGZZY01lSEhPSzBnMS1CZURVcDFILUlKSHp2TXhsdnJURjBxcFY2MS0xZlJ6WkRIVnRPRG5FU195RHZPNjJMblFCNVhaS3MwNTRYVVRqUFhqSGcwQzYycmZUZGp3NHVxb0tqWWtneVVFSGhTWWEwQTUzZXR6OVp6OWxPTlRPMnlJcEc5VE9iYkFrMnRnU0FiazVLb1FmYmJxRXN0a2RSUVBjWmcwYnpnZVRPcGtkSjdHSlE?oc=5) · GlobeNewswire
- 2026-01-05 [Will the slow pace of new bank formation pick up in 2026? - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxQMHNmdXAxTE5fZmJYV013dzkwVWpWV2Y2VTk5U1JZWTRHbXdQSUhNdTlVa2EwTkh3RkZNQ0ZZTnRwRWxtMXM5ajlCOEJOaGVtNHZzcE1BRF9WTXhvOS1idUxQRUFsSXZwQ0QwQlp2ejh1Rkk2MzBRUXMzZ1o4ZGxTVi0zdGFMVXYwb1FjazVTSkFkaUthZFpN?oc=5) · American Banker
- 2026-04-10 [Paramus Rec Baseball and Softball: Opening Day is Almost Here! - TAPinto](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOaFpfUWx4bnQzQkRuSkU5a2dNVUZiRGZvTnhUSmxVdk1FLUttSXhhRXFYNEczeHVBNHZJQTNneGJQSzBXTElXOEhMVER0THNoSFlHWWFyWGVOcG1FQnVPT0RueTE5bEhhTHJRa0w1Q0FraVp3X3JFd3JiMTVLelFGTEY2bWIxWDRIQXdzTGtQdXlwNnZfOGhReGFIaG5aYlFCLUFITDFqMVlSekp1VFRuMmVUVU9KdjVYUHdIN09IMGE?oc=5) · TAPinto
- 2026-06-12 [Summer Fun for the Kids at Paramus Library - TAPinto](https://news.google.com/rss/articles/CBMivgFBVV95cUxQek81RGlEWEJEbGczWmdNRUdJUU1GQk0zZjRPUTRxZGtfVmlQZnFIZExiS0t5UFZuOU5CX1NkeGl1Q3lleF9PZ2c5dG5PdXhTYjNQNjBwS21oc2JjYXVvUG5HR3c3NE0xcFVoOWRxWEliaUVLTUUtQTVNeGx4WTNRR1ZRcGstWkRlTjQ0NjdZamFSdHI3RmZjYTB0ZHlKSDBxeXUyVGpsdUZNRXpsS1BHbXFHU01neloyWkMwOEpn?oc=5) · TAPinto
- 2026-07-29 [Safely Dispose Of Unwanted Items in Paramus August 8 - TAPinto](https://news.google.com/rss/articles/CBMitAFBVV95cUxQNG1TUXF0T1puQlRLb3FfUTU3WmZPYTZLRmpBbVR6YU9hcDZWY0dieU03ZXRteUc2aTZIWWNMZ0ZrdXJ1dTlPNWgtSDBWdWZIUENfYkwwdTlEakNzZjZYT0MxZ2FqQmNMeHVTd2Z6V2RSOVVoSE42N3BsSHhORXRfNzBtVEVYVkVoY1ZZcWN2cVRPS2F6MDk1aHBraWRCRWNidVB0c1FTeVZNVndsVm9adzBaNlc?oc=5) · TAPinto
- 2026-07-22 [Free A1C Testing at Paramus Health Department - TAPinto](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQ2Q0QUZwcjdOMzdPM2VJejQzclc1dGFkVjNrX2E5Zkh6bk9TNmRHNWc5S3FpTWgtTXVhUXlaTGlTOFBaZi1yclZkR3JqMXVNRFNDUi1sTFloWE05SlU1cW13aVVGaVdOVGZlLXVLQVRjOEVKRmUzTDBvamgweVJJVHRRQXZlSlJpQWVkMjNNMDl2Q1p2YWJka3ozMXV0clJNak9LRmtKYndWdVRoa1V4TVVuNmU4Z3dscXNEWmR3?oc=5) · TAPinto
- 2026-07-31 [Hackensack's “Late Friday Night Bites” Brings a New Evening Activity to Bergen County - TAPinto](https://news.google.com/rss/articles/CBMioAJBVV95cUxPalh0TTFNWDE1XzRqc1JadVdGMWhoZ05qQzZLZ2o1SmtQX2RyakV0OTU3MW5tUU00dGFkTXZkaHNKZU41VTNyUjNXRy1lN1FuRGllNHhSTDJOZVgyNXN1b21XQ3VaN25CakpsSFBaZ0pVdGJZNXJRUlY5X09SX0tOYld2T0F0RHJnNnE5Zk82dlVIRkVTd1Q3NDJqMnUtZV9vQTloS2pNVThsRHBBTTFjY0ltYmFSYjBqWDBjclVJOUtIV0xNb3pJQ3JHeTZPUm43eFNBOTI4SmdEUXFxZkpFejVXdlcwVEExYVFYelRxZ0N0al93SFpxVnhCRzdZZ3FiUVl4bzF5MHdjWTFIaGtTZG1KcG1tX3NKN252ZGJNNkE?oc=5) · TAPinto
- 2025-11-18 [Paramus School District Assessment Calendar 2025-2026 - TAPinto](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNdC1WVEgzam1ncTV5eGxZdTJjZ3I2X081dUlKcmlVZE9uaWZxU1p4OWcwNHVod3FWRnRMRmpXV2R6enpuWDFxdVRMMC01MHFRckQ5RUVvR2wwT2VuQjBXWDlpRFpwSWF5T0t1TEdNN0VWMXl3NnhLcTFEZW5ac0FhblFYM1I3RENORURxS0FQTUZoRU9Qajc5WkxOVXhTNXY5REZ0QmRGRzFMYXFVVk1wNGVtM19tclBFR0M0?oc=5) · TAPinto

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59345 (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/17.json (key "59345", 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide