Five Rivers Bank
Paramus, NJ
IDRSSD: 5882500
Total Assets
$34.23M
Latest filing
Total Deposits
$3.90M
Latest filing
Net Interest Margin
3.76%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Five Rivers Bank
81 E State Rt 4
Paramus, NJ 07652
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/12/2025FDIC Certificate 659031
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Five Rivers Bank (Main) | 81 E State Rt 4 | Paramus, NJ | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/12/2025 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 07652 |
| State and County Number | 34003 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/02/2025 |
| Date of Deposit Insurance | 05/12/2025 |
| Primary Insurance Agency | DIF |
| Website | www.fiveriversbank.com |
| Data Updated | 01/30/2026 |
| CERT | 59345 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $34.23M |
| Total Deposits | $3.90M |
| Total Liabilities | $4.83M |
| Total Equity Capital | $29.40M |
| Net Income | $-704,000 |
| Net Loans and Leases | $1.38M |
| Assets Per Employee ($Millions) | $2.63M |
| Bank Premises and Fixed Assets | $932.00k |
| Cash and Balances due from Depository Institutions | $31.79M |
| Deposits Held in Domestic Offices | $3.90M |
Key Performance Ratios
| Return on Assets (ROA) | -8.62% |
| Return on Equity (ROE) | -9.46% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 348.38% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 85.896% |
| Earning Assets to total Assets | 85.08% |
Income and Expense
| Total Interest Income | $286.00k |
| Total Noninterest Income | $2.00k |
| Total Interest Expense | $11.00k |
| Total Noninterest Expense | $965.00k |
| Net Interest Income | $275.00k |
| Pre-tax Net Operating Income | $-704,000 |
| Provision for Credit Losses | $16.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $931.00k |
| Total Liabilities and Capital | $34.23M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Five Rivers Bank?
$34.23M as of the latest filing.
How much are Five Rivers Bank's total deposits?
$3.90M in total deposits.
Where is Five Rivers Bank located?
Paramus, NJ.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
1.
When was it established?
05/12/2025.
What is the Return on Assets (ROA)?
-8.62%.
How much are total loans and leases?
$1.38M (latest filing).
What is the total interest income (latest filing)?
$286.00k.