Monroe Savings Bank
Williamstown, NJ
IDRSSD: 927077
Total Assets
$111.49M
Latest filing
Total Deposits
$85.47M
Latest filing
Net Interest Margin
3.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Monroe Savings Bank
114 S Main St
Williamstown, NJ 08094
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1870FDIC Certificate 42937
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Monroe Savings Bank (Main) | 114 S Main St | Williamstown, NJ |
| WILLIAMSTOWN BRANCH | 1712 S Black Horse Pike | Williamstown, NJ |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1870 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 08094 |
| State and County Number | 34015 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.monroesavings.com |
| Data Updated | 11/14/2025 |
| CERT | 30103 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $111.49M |
| Total Deposits | $85.47M |
| Total Liabilities | $96.24M |
| Total Equity Capital | $15.25M |
| Net Income | $175.00k |
| Net Loans and Leases | $89.68M |
| Assets Per Employee ($Millions) | $8.58M |
| Bank Premises and Fixed Assets | $752.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $85.47M |
Key Performance Ratios
| Return on Assets (ROA) | 0.63% |
| Return on Equity (ROE) | 4.62% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 77.67% |
| Tier 1 Risk-Based Capital Ratio | 23.249% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.68% |
| Earning Assets to total Assets | 97.25% |
Income and Expense
| Total Interest Income | $1.51M |
| Total Noninterest Income | $13.00k |
| Total Interest Expense | $525.00k |
| Total Noninterest Expense | $772.00k |
| Net Interest Income | $981.00k |
| Pre-tax Net Operating Income | $247.00k |
| Provision for Credit Losses | $-25,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $771.00k |
| Total Liabilities and Capital | $111.49M |
Securities
| Securities | $6.15M |
| Available-for-sale debt securities | $4.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.60M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Monroe Savings Bank?
$111.49M as of the latest filing.
How much are Monroe Savings Bank's total deposits?
$85.47M in total deposits.
Where is Monroe Savings Bank located?
Williamstown, NJ.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1870.
What is the Return on Assets (ROA)?
0.63%.
How much are total loans and leases?
$89.68M (latest filing).
What is the total interest income (latest filing)?
$1.51M.