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First Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 58481

Hamilton, NJ

26 branches across NJ · PA · FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
  • Deposits +4.9% year over year ($3.3B on the books).
  • Delinquency rate 0.87%.
  • Return on assets 0.92%.
  • Efficiency ratio 54.89% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.08% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ
View $1B-$10B leaderboard (NJ) →

First Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 4.84% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 20.3% in tier
  • - Liquidity Strain: Bottom 29.1% in tier
  • - Credit Risk Growth: Bottom 30.8% in tier
  • - Flatlined Growth: Bottom 43.8% in tier
  • - ROA 0.47% below tier average
  • - Net Interest Margin 0.17% below tier average
Get updates when First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $4.1B
+1.7% YoY +2.9% QoQ
+$1.3B $2.8B
-0.6% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $3.3B
+1.1% YoY +2.1% QoQ
+$1.4B $2.0B
-0.3% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $3.3B
+4.9% YoY +3.0% QoQ
+$1.0B $2.3B
-0.5% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 0.92%
-8.3% YoY +19.8% QoQ
-0.47% 1.39%
+17.0% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.70%
+0.5% YoY +0.1% QoQ
-0.17% 3.87%
+6.2% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 54.89%
-2.9% YoY -2.7% QoQ
-4.84% 59.73%
-12.6% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 0.87%
+147.6% YoY +29.5% QoQ
+0.01% 0.87%
+11.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 100.08%
-3.6% YoY -0.9% QoQ
+15.04% 85.04%
-0.1% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ? 18.27%
-1.9% YoY +4.9% QoQ
-3.01% 21.27%
-1.5% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.71%
+146.3% YoY +28.4% QoQ
+0.04% 0.67%
+11.7% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 10.89%
+9.4% YoY +0.1% QoQ
-3.95% 14.84%
-0.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.11%
+16.0% YoY +84.5% QoQ
-0.42% 0.53%
+2.5% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Bottom 11.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 18.3%
-0.4pp YoY
+0.9pp QoQ
 -3.1pp 21.4% 16.6% 22.2% 41%
Brokered Deposits 10.4%
+2.0pp YoY
+0.5pp QoQ
 +0.9pp 9.5% 10.1% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 19.3%
-2.2pp YoY
+0.6pp QoQ
 +5.3pp 14.0% 6.5% 12.5% 79%
CRE 70.3%
-1.4pp YoY
0.0pp QoQ
 +20.3pp 50.0% 56.3% 41.4% 88%
1-4 Family 6.6%
-0.3pp YoY
-0.4pp QoQ
 -19.9pp 26.4% 39.4% 31.3% 9%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.3% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 10.9%
+0.9pp YoY
0.0pp QoQ
 -4.7pp 15.6% 18.8% 19.7% 8%
Leverage Ratio 10.2%
+0.7pp YoY
0.0pp QoQ
 -1.1pp 11.3% 13.4% 12.6% 41%
Total Capital Ratio 13.1%
+0.4pp YoY
0.0pp QoQ
 -3.6pp 16.7% 19.8% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 338
+3 (+0.9%) YoY
+11 (+3.4%) QoQ
 +24 313 336 482 71%
Assets per Employee ($) $12.1M
+0.8% YoY
-0.4% QoQ
 +$1.6M $10.5M $11.2M $8.8M 79%
Branch Count 26
0 YoY
0 QoQ
 +6 20 20 18 77%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.9%
+0.5pp YoY
+0.2pp QoQ
 0.0pp 0.8% 0.8% 1.0% 69%
Allowance Coverage 1.60x
-54.4% YoY
-23.2% QoQ
 -17.11x 18.71x 6.57x 20.23x 40%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.2pp QoQ
 +0.1pp 0.3% 0.2% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 8.2%
-1.2pp YoY
+1.4pp QoQ
 -4.3pp 12.6% 6.4% 11.6% 21%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.9% 1.7% 81%
Net Income ($, YTD) $18.5M
-5.7% YoY
— QoQ
 -$738K $19.2M $19.8M $40.4M 67%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#46 of 222 • Bottom 20.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.89%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#106 of 361 • Bottom 29.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.08%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#125 of 402 • Bottom 30.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#72 of 162 • Bottom 43.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.92%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

142
Total Loans
size
Value: $3.33B
Peer Median: $1.96B
#142 of 885 Top 15.9% in $1B-$10B
168
Total Assets
size
Value: $4.09B
Peer Median: $2.79B
#168 of 885 Top 18.9% in $1B-$10B
178
Total Deposits
size
Value: $3.32B
Peer Median: $2.32B
#178 of 885 Top 20.0% in $1B-$10B

Top Weaknesses (4 metrics)

786
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.53%
#786 of 885 Bottom 11.3% in $1B-$10B
763
Loan-to-Deposit Ratio
liquidity
Value: 100.08%
Peer Median: 85.04%
#763 of 885 Bottom 13.9% in $1B-$10B
741
Tier 1 Capital Ratio
capital
Value: 10.89%
Peer Median: 14.84%
#741 of 885 Bottom 16.4% in $1B-$10B
668
Return on Assets
profitability
Value: 0.92%
Peer Median: 1.39%
#668 of 885 Bottom 24.6% in $1B-$10B
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