BlastPoint's Banking Scorecard

The First National Bank of Elmer

$100M-$1B Specialty: Commercial NJ FDIC cert 6464

Elmer, NJ

6 branches across NJ

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
Deposits -0.0% year over year ($365.3M on the books).
Delinquency rate 1.16%.
Return on assets 0.75%.
Efficiency ratio 75.89% vs a 64.48% peer average.
Loan-to-deposit ratio 90.56% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 25 in NJ

View $100M-$1B leaderboard (NJ) →

The First National Bank of Elmer 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

+ Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.6% in tier
- Flatlined Growth: Bottom 26.3% in tier
- Non-Interest-Bearing Deposit Share 16.15% below tier average
- ROA 0.57% below tier average
- Efficiency Ratio 11.41% above tier average
- Delinquency Rate 0.24% above tier average

Get updates when The First National Bank of Elmer releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$407.8M +0.8% YoY +1.9% QoQ	+$21.2M	$386.6M +1.2% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$330.8M +4.0% YoY -1.4% QoQ	+$72.5M	$258.3M +1.7% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$365.3M -0.0% YoY +2.0% QoQ	+$38.6M	$326.7M +0.7% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	0.75% -23.6% YoY +12.8% QoQ	-0.57%	1.32% +10.8% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	4.31% +2.3% YoY +2.9% QoQ	+0.32%	3.99% +5.0% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	75.89% +5.4% YoY -2.8% QoQ	+11.41%	64.48% -3.2% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	1.16% +628.0% YoY +110.7% QoQ	+0.24%	0.92% +15.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	90.56% +4.0% YoY -3.3% QoQ	+12.61%	77.95% +1.0% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	5.88% -4.4% YoY -26.3% QoQ	-16.15%	22.03% -0.6% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	Bottom 4.5% in tier
Nonperforming Asset Ratio ?	0.94% +651.0% YoY +103.9% QoQ	+0.27%	0.67% +16.4% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	13.55% +2.0% YoY +2.2% QoQ	-2.36%	15.91% +1.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.15% -45.5% YoY +100.1% QoQ	-0.42%	0.57% +7.6% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	34%

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	5.9% -0.3pp YoY -2.1pp QoQ	-16.3pp	22.1%	16.6%	22.2%	4%
Brokered Deposits	n/a	n/a	7.9%	10.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	4.7% +0.4pp YoY -0.4pp QoQ	-6.9pp	11.6%	6.5%	12.5%	18%
CRE	59.2% -0.1pp YoY +0.5pp QoQ	+19.7pp	39.5%	56.3%	41.4%	83%
1-4 Family	36.4% -0.3pp YoY -0.3pp QoQ	+3.7pp	32.6%	39.4%	31.3%	64%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.3%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.3pp YoY +0.3pp QoQ	-5.3pp	18.8%	18.8%	19.7%	34%
Leverage Ratio	10.0% +0.5pp YoY 0.0pp QoQ	-2.2pp	12.2%	13.4%	12.6%	31%
Total Capital Ratio	14.8% +0.3pp YoY +0.3pp QoQ	-5.1pp	19.9%	19.8%	20.8%	35%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	77 -2 (-2.5%) YoY +1 (+1.3%) QoQ	+18	58	336	482	75%
Assets per Employee ($)	$5.3M +3.4% YoY +0.6% QoQ	-$2.2M	$7.5M	$11.2M	$8.8M	19%
Branch Count	6 0 YoY 0 QoQ	+1	4	20	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% +0.5pp YoY +0.2pp QoQ	+0.4pp	0.3%	0.1%	0.4%	87%
Nonaccrual	0.5% +0.4pp QoQ	-0.5pp	0.9%	0.8%	1.0%	51%
Allowance Coverage	1.11x -86.2% YoY -51.3% QoQ	-23.04x	24.15x	6.57x	20.23x	30%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	7.7% -2.8pp YoY +0.8pp QoQ	-4.5pp	12.2%	6.4%	11.6%	24%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.9%	1.7%	12%
Net Income ($, YTD)	$1.5M -20.5% YoY — QoQ	-$1.0M	$2.6M	$19.8M	$40.4M	42%

Get Full Access to The First National Bank of Elmer

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Strain

risk

#102 of 691 • Bottom 14.6% 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: 90.56%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#140 of 529 • Bottom 26.3% 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: 0.75%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2524

Non-Interest-Bearing Deposit Share

funding

Value: 5.88%

Peer Median: 22.03%

#2524 of 2643 Bottom 4.5% in $100M-$1B

2144

Efficiency Ratio

profitability

Value: 75.89%

Peer Median: 64.48%

#2144 of 2643 Bottom 18.9% in $100M-$1B

2094

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2094 of 2643 Bottom 20.8% in $100M-$1B

2068

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.67%

#2068 of 2643 Bottom 21.8% in $100M-$1B

1978

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.92%

#1978 of 2633 Bottom 24.9% in $100M-$1B