Manasquan Bank
Manasquan Bank reported total assets of $3.6 bn at Q2 2026, up 8.8% on a year earlier, the 359th largest of 497 banks in our US coverage. The CET1 capital ratio at Manasquan Bank was 11.00%, and the uninsured share of Manasquan Bank was 32.61%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Manasquan Bank slipped from 346th to 434th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Manasquan Bank has taken over one institution; the latest was Metuchen Savings Bank on (FDIC Call Reports).
What sets Manasquan Bank apart
How large is Manasquan Bank?
The balance sheet of Manasquan Bank at : assets $3.6 bn, deposits $3.1 bn, net loans $3.0 bn (loans equal to 95.26% of deposits). Securities make up 5.3% of total assets at Manasquan Bank. Since , when Manasquan Bank held $998.3 mn, its assets grew 259.3%. In the year to , deposits at Manasquan Bank rose 10.2% while its total assets rose 8.8%. At , Manasquan Bank employed 271 full-time equivalent staff across 15 offices, about $13.2 mn of assets per employee and $207.8 mn of deposits per office.
How much funding at Manasquan Bank is uninsured?
At Manasquan Bank, uninsured deposits (above the FDIC limit) made up 32.61% of domestic deposits at (+1.79 pp on a year earlier); Manasquan Bank ranks 278th of 500 on this measure. In dollars, Manasquan Bank estimated $1.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.1 bn | +10.2% | 346th of 499 |
| Net loans and leases | $3.0 bn | +6.8% | 315th of 500 |
| Loan-to-deposit ratio | 95.26% | -3.00 pp | 105th of 500 |
| Tier 1 leverage ratio | 9.69% | +0.21 pp | 346th of 500 |
| Total risk-based capital ratio | 11.94% | +0.33 pp | 418th of 448 |
| Net interest margin | 3.21% | +0.26 pp | 372nd of 500 |
| Return on assets (ROA) | 0.67% | -0.13 pp | 451st of 500 |
| Efficiency ratio | 59.58% | -3.14 pp | 327th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $6.2 mn | Narrowed by $4.9 mn | |
| Noncurrent loans to total loans | 0.64% | -0.09 pp | 265th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.28% | +0.12 pp | 393rd of 500 (1 = lowest) |
US rank of Manasquan Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Manasquan Bank: assets, deposits and loans
- Total assets $3.6bn
- Deposits $3.1bn
- Net loans $3.0bn
Capital and securities
The CET1 ratio of Manasquan Bank stood at 11.00% in , +0.30 pp year on year. Low and high at Manasquan Bank since : 10.56% () to 12.92% (). Equity capital of Manasquan Bank at : $334.6 mn, or 9.3% of total assets. Manasquan Bank also reported a total capital ratio of 11.94% for , and a tier 1 leverage ratio of 9.69%.
The available-for-sale portfolio of Manasquan Bank showed an unrealized loss of $6.2 mn at ; the loss narrowed by $4.9 mn over the year.
Manasquan Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.7%
Manasquan Bank: unrealized securities gains and losses
- Available for sale -$6mn
- Held to maturity $0
Profitability and loan quality
For the year to , Manasquan Bank earned a return on equity of 7.18%; return on assets: 0.67%. Net interest margin at Manasquan Bank: 3.21%, +0.26 pp in a year. Manasquan Bank net income: $11.7 mn, down 10.3% year on year. The efficiency ratio of Manasquan Bank was 59.58%: about 60 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.64% of total loans at Manasquan Bank; net charge-offs: 0.28% of average loans. Gross loans and leases at Manasquan Bank: $3.0 bn, up 6.9% in a year.
Manasquan Bank: profitability
- Return on equity 7.2%
- Net interest margin 3.2%
- Return on assets 0.7%
Peer group of Manasquan Bank
The peer group of Manasquan Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Manasquan Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Jersey. Against them, Manasquan Bank shows CET1 ratio 11.00% against a peer median of 13.55%, return on equity 7.18% against a peer median of 12.04% and uninsured deposit share 32.61% against a peer median of 28.93%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Colony Bank | State nonmember bank | GA | $3.6 bn | 13.55% | 9.90% | 32.42% | |
| First Community Bank | State member bank | VA | $3.6 bn | 15.32% | 14.59% | 21.28% | |
| Home Bank | National bank | LA | $3.6 bn | 14.41% | 10.17% | 31.16% | |
| Manasquan Bank | State-chartered stock savings bank | NJ | $3.6 bn | 11.00% | 7.18% | 32.61% | |
| SouthEast Bank | State member bank | TN | $3.6 bn | 12.52% | 8.91% | 23.40% | |
| Old Plank Trail Community Bank | National bank | IL | $3.5 bn | 10.81% | 13.91% | 26.71% | |
| MVB Bank, Inc | State nonmember bank | WV | $3.5 bn | not reported | 14.24% | 39.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at Manasquan Bank, to : assets +16.9%, deposits +18.3%, equity +20.6%. Staff 246 to 271.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.4 bn | $3.4 bn | $3.5 bn | $3.6 bn |
| Total deposits | $2.6 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.1 bn |
| Bank equity capital | $277.4 mn | $281.8 mn | $289.6 mn | $297.0 mn | $306.7 mn | $315.0 mn | $325.9 mn | $334.6 mn |
| CET1 ratio | 10.77% | 10.67% | 10.56% | 10.70% | 10.94% | 10.86% | 11.13% | 11.00% |
| Return on equity (ROE) | 6.74% | 6.51% | 8.42% | 8.99% | 9.51% | 9.38% | 4.14% | 7.18% |
| Uninsured share of domestic deposits | 28.45% | 28.81% | 29.90% | 30.82% | 31.47% | 31.22% | 30.98% | 32.61% |
| Full-time equivalent employees | 246 | 250 | 253 | 253 | 253 | 257 | 262 | 271 |
| Number of offices | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Manasquan Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Metuchen Savings Bank (FDIC certificate 30099).
Questions and identifiers
What were the total assets of Manasquan Bank?
Manasquan Bank reported $3.6 bn at in its Call Report. That makes Manasquan Bank the 359th largest of 497 banks in our US coverage.
Is Manasquan Bank the same as its holding company?
No. This page covers Manasquan Bank, FDIC certificate 30470; MB MUTUAL HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Manasquan Bank profitable?
Manasquan Bank reported net income of $11.7 mn for the year to ; annualized return on equity: 7.18%. So yes: Manasquan Bank made a profit over these months.
When is data for Manasquan Bank next updated?
Figures from Manasquan Bank for are due after .
Where can I check the figures for Manasquan Bank?
In the FDIC BankFind Suite record for certificate 30470, and in the Call Reports of Manasquan Bank (RSSD ID 459671) at the FFIEC Central Data Repository.