MONROE SAVINGS BANK

WILLIAMSTOWN, NJ · Supervised by FDIC

Est. 1870FDIC #30,103RSSD: FDIC-30103

Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.69%

Institution Profile

FDIC BankFind

Website

www.monroesavings.com

Address

114 S Main St, WILLIAMSTOWN, NJ

County

Gloucester County

Established

January 1, 1870

Total Assets

$113M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$113M

Total Deposits

$87M

Net Loans

$85M

Net Income

$196K

ROA

0.69%

ROE

5.04%

Risk-Based Capital

26.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.48%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$85M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	73	75.34%	5.48%
2023	126	69.05%	11.11%
2019	83	73.49%	15.66%
2018	80	90%	7.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2018

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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