Bank · FDIC insured
Five Rivers Bank
A $78.1M bank headquartered in Paramus, NJ, with 1 branch in New Jersey. Best rates: savings 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.50%Needs another account or monthly activityCD rates →
- Savings944.25%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Five Rivers Bank
Five Rivers Bank is a community bank headquartered in Paramus, New Jersey, serving Bergen County.
The bank was founded by entrepreneurs and small business owners to provide personalized financial services to the local community.
- Headquarters
- 81 E State Rt 4, Paramus, NJ 07652
- FDIC certificate
- 59345 ↗
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Five Rivers BankMain office81 E State Rt 4, Paramus, NJ 07652Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 57.11% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.00% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | -8.08% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $38 | $67 | — |
- CapitalLeverage ratio57.11%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets-8.08%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$38Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Five Rivers Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.