BlastPoint's Banking Scorecard

First Bank

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

Hamilton, NJ

26 branches across NJ · PA · FL

884 banks in the $1B-$10B peer group nationally 20 in NJ

First Bank has 2 strengths but faces 5 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 4.67% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 8.3% in tier
- Capital Thin: Bottom 23.5% in tier
- Credit Risk Growth: Bottom 28.8% in tier
- Liquidity Strain: Bottom 37.1% in tier
- Net Interest Margin 0.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$4.0B +2.3% YoY +0.3% QoQ	+$1.2B	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$3.3B +1.9% YoY +0.3% QoQ	+$1.3B	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$3.2B +3.5% YoY +0.8% QoQ	+$884.1M	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	0.77% -21.2% YoY -30.5% QoQ	-0.59%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	3.70% +1.5% YoY -2.4% QoQ	-0.12%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	56.39% -1.9% YoY +8.1% QoQ	-4.67%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.68% +217.2% YoY +55.0% QoQ	-0.21%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	100.95% -1.5% YoY -0.5% QoQ	+16.75%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ?	17.41% +1.4% YoY -2.6% QoQ	-3.88%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.55% +85.0% YoY +55.0% QoQ	-0.12%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	10.88% +13.5% YoY +1.9% QoQ	-4.28%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.06% +107.4% YoY -77.2% QoQ	-0.20%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 13.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Margin Compression

decline

#8 of 84 • Bottom 8.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.77%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#53 of 221 • Bottom 23.5% 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: 10.88%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#122 of 420 • Bottom 28.8% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#125 of 334 • Bottom 37.1% 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: 100.95%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

146

Total Loans

size

Value: $3.26B

Peer Median: $1.96B

#146 of 884 Top 16.4% in $1B-$10B

180

Total Assets

size

Value: $3.97B

Peer Median: $2.82B

#180 of 884 Top 20.2% in $1B-$10B

186

Total Deposits

size

Value: $3.23B

Peer Median: $2.34B

#186 of 884 Top 20.9% in $1B-$10B

Top Weaknesses (4 metrics)

783

Loan-to-Deposit Ratio

liquidity

Value: 100.95%

Peer Median: 84.20%

#783 of 884 Bottom 11.5% in $1B-$10B

764

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#764 of 884 Bottom 13.7% in $1B-$10B

750

Tier 1 Capital Ratio

capital

Value: 10.88%

Peer Median: 15.16%

#750 of 884 Bottom 15.3% in $1B-$10B

713

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.37%

#713 of 884 Bottom 19.5% in $1B-$10B