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First Bank

Hamilton, NJ · Cert 58481

State charter, non-member · FDIC · 26 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bank

Hamilton, NJ · Cert 58481

State charter, non-member · FDIC · 26 branches

Q2 2026

$4.1BAssets
$3.4BLoans
$3.3BDeposits
$453.2MEquity
Loan mix
81%RE $2.5B19%C&I $0.6B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $2.7B18%Noninterest $0.6BQ2 2025Q2 2026

NIM

6.03%Q2 ’245.82%Q2 ’255.66%Q2 ’26-1%+3%

Non-interest income vs. expense

1.98%Q2 ’242.05%Q2 ’252.06%Q2 ’26+1%-1%

Market Position · Trenton-Princeton, NJ · 2026 SOD (annual) · 5.6% share · #6 of 22 inst. · $1.2B of $22.1B

5.6% Mercer
1.5% Morris
2.6% Chester
0.8% Bucks

Executive Summary

  • Earnings: ROA of 0.92%, down 8 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.86% of loans (+51 bps YoY), with net charge-offs at 0.39%.
  • Capital: tier 1 leverage ratio of 10.17%, up 75 bps from a year ago.
  • Funding: loans stand at 101.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+10 bps YoY

Efficiency Ratio (YTD, annualized)

54.89%-163 bps YoY

Tier 1 Leverage Ratio

10.17%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.06%1.11%0.77%0.92%-8 bps
Return on Equity9.44%9.96%10.29%6.85%8.25%-120 bps
Net Interest Margin3.40%3.43%3.45%3.50%3.49%+10 bps
Efficiency Ratio56.52%54.46%52.18%56.39%54.89%-163 bps
Non-Interest Burden1.85%1.79%1.70%1.88%1.83%-2 bps
Growth
Asset Growth (YoY)11.16%7.32%4.70%2.32%1.69%-947 bps
Loan Growth (YoY)11.05%9.28%4.74%2.08%1.31%-975 bps
Deposit Growth (YoY)6.76%5.69%4.79%3.45%4.91%-185 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.30%0.43%0.67%0.86%+51 bps
Net Charge-Offs / Loans0.05%0.10%0.13%0.61%0.39%+35 bps
Allowance / Loans1.23%1.25%1.38%1.39%1.38%+15 bps
Allowance Coverage of NPLs3.5x4.2x3.2x2.1x1.6x-1.9x
Capital
Tier 1 Leverage Ratio9.42%9.54%9.75%10.20%10.17%+75 bps
Total Risk-Based Capital12.68%12.25%12.87%13.08%13.08%+40 bps
Equity / Assets10.51%10.71%11.21%11.32%11.09%+58 bps
Liquidity & Funding
Loans / Deposits105.09%104.66%102.84%102.38%101.48%-361 bps
Liquid Assets / Assets8.85%8.27%8.30%8.32%9.00%+15 bps
CRE / Total Capitaln/a624%584%578%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Bank

Hamilton, NJ · Cert 58481 · Peer group: banks $1B-$10B in assets (n=322-328)

State charter, non-member · FDIC · 26 branches

Q2 2026

$4.1BAssets
$3.4BLoans
$3.3BDeposits
$453.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 62% of banks $1B-$10B in assets (rank 126 of 328).
  • Widest gap: tier 1 capital ratio trails 88% of banks $1B-$10B in assets (rank 288 of 328).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.91%

Rank 247 of 328

Net Interest Margin

3.49%

Rank 156 of 328

Efficiency Ratio

56.00%

Rank 126 of 328

Equity / Assets

11.09%

Rank 124 of 328

Non-interest income vs. expense

$9.1M$82.2MINCOMEEXPENSE
Unfavorable gap of $73.1M · efficiency ratio beats 62% of banks $1B-$10B in assets
Bank 56.00%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.91%1.22%1.52%Beats 25%247 / 328
Return on Equity8.17%8.43%11.45%14.43%Beats 22%256 / 328
Net Interest Margin3.49%3.03%3.45%3.83%Beats 52%156 / 328
Efficiency Ratio56.00%51.61%59.56%67.53%Beats 62%126 / 328
Asset Quality
Nonperforming Loans / Loans0.86%0.24%0.51%1.03%Beats 30%226 / 322
Net Charge-Offs / Loans0.20%0.01%0.03%0.10%Beats 16%272 / 322
Capital
Tier 1 Capital Ratio10.89%11.75%13.15%15.47%Beats 12%288 / 328
Total Risk-Based Capital Ratio13.08%12.63%14.15%16.46%Beats 31%226 / 328
Equity / Assets11.09%9.15%10.33%12.01%Beats 62%124 / 328
Liquidity & Funding
Loans / Deposits101.48%76.63%87.92%95.36%89th pctl34 / 323
Loans / Assets82.52%65.18%74.15%79.98%83rd pctl55 / 328
Brokered Deposits / Depositsn/aNot reported for this institution