Manasquan Bank


2221 Landmark Place
Manasquan, NJ 08736
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Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 1.00% 1.15% →
2-Year CD 1.00% 1.26% →
5-Year CD 1.25% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage 3.31% 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Manasquan Bank is an FDIC insured institution located in Manasquan, NJ. It was founded in 1874 and has approximately $1.77 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 30470
Date Established 1874
Assets $ 1,774.45 million
Loans $ 1,453.37 million
Deposits $ 1,506.94 million
Capital $ 171.01 million

For a more detailed analysis of Manasquan Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.25% $20 - Learn More
Money Market
0.25% $1 $99,999 Learn More
3 Mo CD
0.20% $500 - Learn More
6 Mo CD
1.00% $500 - Learn More
12 Mo CD
1.00% $500 - Learn More
18 Mo CD
1.00% $500 - Learn More
24 Mo CD
1.00% $500 - Learn More
36 Mo CD
1.00% $500 - Learn More
60 Mo CD
1.25% $500 - Learn More

Fixed IRA
1.00% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $9,999 Learn MoreShow Less

Loan Rates - July 6, 2020

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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Financial Details

Manasquan Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Manasquan Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Manasquan Bank U.S. Bank Average
2.98% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Manasquan Bank had $5,307,000 in non-current loans and $204,000 in owned real estate. To cover these potential losses it had $171,009,000 in equity and $14,136,000 in loans loss reserves. That gives it a Texas Ratio of 2.98%.

Return on Equity
Manasquan Bank U.S. Bank Average
7.33% 9.41%

Manasquan Bank has a Return on Equity of 7.33% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Manasquan Bank U.S. Bank Average
9.64% 12.82%

Manasquan Bank has a Capitalization of 9.64% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Manasquan Bank Balance Sheet Analysis

As of December 31, 2019, Manasquan Bank had assets of $1,774,451,000, loans of $1,453,371,000, and deposits of $1,506,944,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 170.36 million
Interest-bearing balances $ 164.97 million
Total securities $ 73.68 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,453.37 million
Loan loss allowance $ 14.14 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.20 million
Goodwill and other intangibles $ 6.18 million
All other assets $ 34.86 million
     Total Assets $ 1,603.44 million
Total deposits $ 1,506.94 million
      Interest-bearing deposits $ 1,315.27 million
      Deposits held in domestic offices $ 1,506.94 million
      % insured (estimated) 58.57%
Federal funds purchased and repurchase agreements $ 22.40 million
Trading liabilities N.A.
Other borrowed funds $ 66.25 million
Subordinated debt N.A.
All other liabilities $ 7.85 million
      Total Liabilities $ 1,603.44 million
      Shareholders’ Equity $ 171.01 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 70.92 million
Total Interest Expense $ 18.13 million
Net interest income $ 52.79 million
Provision for loan and lease losses $ 2.24 million
Total non interest income $ 4.07 million
Total non interest expense $ 38.80 million
Pre-tax Net Operating Income $ 15.82 million

Bank Loan Profile?

The top three loan types in Manasquan Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Manasquan Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 44.06
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 13.40
Construction and Development Loans 5.08
Commercial Real Estate 36.98
Commercial and Industrial Loans 10.76
Farm Loans 0.00

Frequently Asked Questions About Manasquan Bank

Branches and Savings

Is Manasquan Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30470.

Why does Manasquan Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Manasquan Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Manasquan Bank a commercial bank?


Where are Manasquan Bank locations?

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Is Manasquan Bank open on Saturdays?

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Are Manasquan Bank ATMs Open 24/7?

Do Manasquan Bank ATMs accept cash deposits?

Can Manasquan Bank customers use other ATMs?

Do Manasquan Bank branches have notaries?

Will Manasquan Bank notarize my document?

What address for Manasquan Bank should I put for incoming ACH transfers?

Will the Manasquan Bank branch print checks?

Do Manasquan Bank checks expire?

Does Manasquan Bank require US citizenship to open account?

Can Manasquan Bank close my account?

Does Manasquan Bank Report to credit bureaus?

Does Manasquan Bank Use Equifax?

What is Manasquan Bank's ACH Routing Number?

What is Manasquan Bank's SWIFT code?


Does Manasquan Bank offer mortgages?

Compare mortgage rates here.

Does Manasquan Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Manasquan Bank offer personal loans?

Compare personal loan rates here.

Does Manasquan Bank offer student loans?

Will Manasquan Bank cash a check?

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Does Manasquan Bank do currency exchange?

Background on The Bank

Who owns Manasquan Bank?

How long has Manasquan Bank been around?

Can Manasquan Bank transfer to other banks?

Does Manasquan Bank have quick pay?

Does Manasquan Bank accept rolled coins?

Will Manasquan Bank accept loose change?

Where is Manasquan Bank headquarters?

Customer Reviews for Manasquan Bank

  • June 08, 2016

    When is your next shred date @Ramtown?

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