BlastPoint's Banking Scorecard
The First National Bank of Elmer
Elmer, NJ
6 branches across NJ
The First National Bank of Elmer has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.1% in tier
- - Non-Interest-Bearing Deposit Share 14.05% below tier average
- - ROA 0.61% below tier average
- - Efficiency Ratio 12.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$400.0M
+3.9% YoY
-2.3% QoQ
|
+$13.9M |
$386.1M
+0.5% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$335.4M
+6.0% YoY
+3.8% QoQ
|
+$79.7M |
$255.7M
+1.1% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$358.1M
+3.5% YoY
-2.7% QoQ
|
+$30.1M |
$328.0M
+0.1% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
0.66%
-44.1% YoY
-23.2% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
4.18%
+0.3% YoY
-0.7% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
78.07%
+11.9% YoY
+5.8% QoQ
|
+12.78% |
65.29%
-4.5% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.55%
-65.3% YoY
+160.3% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
93.65%
+2.5% YoY
+6.7% QoQ
|
+17.02% |
76.64%
+0.8% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
7.97%
+15.3% YoY
+20.1% QoQ
|
-14.05% |
22.02%
-1.0% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.2% in tier |
| Nonperforming Asset Ratio ? |
0.46%
-64.6% YoY
+176.6% QoQ
|
-0.18% |
0.64%
+19.7% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.26%
+2.3% YoY
-2.4% QoQ
|
-2.57% |
15.83%
+1.5% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.07%
-64.9% YoY
-82.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.