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Manasquan Bank
Manasquan, NJ·FDIC Cert #30470·Charter: STATE·Est. 18740101.0·HC: MB MUTUAL HOLDING CO
Total Assets
$3.4B
Q4 2025
Return on Assets
0.85%
-0.01%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
61.73%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.85%-0.01
ROE
9.38%-0.13
Efficiency
61.73%-0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.85%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.19%+0.97
Charge-offs
0.10%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.6 | 0.6 | 0.6 | 0.7 | 0.8 | 0.9 | 0.8 |
| ROE | 7.3 | 6.6 | 6.7 | 6.5 | 8.4 | 9.0 | 9.5 | 9.4 |
| Efficiency | 68.3 | 68.3 | 67.4 | 67.2 | 64.0 | 62.7 | 61.8 | 61.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.0 | 0.0 | 0.6 | 0.6 | 0.7 | 0.9 | 0.9 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 93.3 | 96.4 | 98.4 | 100.4 | 99.2 | 98.3 | 94.2 | 95.2 |
Balance Sheet
Total Assets$3.4B
Total Deposits$3.0B
Total Loans$2.8B
Total Equity$315.0M
Profitability
ROA0.85%
ROE9.38%
Efficiency Ratio61.73%
Net Income$27.9M
Risk & Asset Quality
NPL Ratio0.85%
Charge-off Rate0.10%
Loan/Deposit95.19%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans