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
Unfavorable gap of $73.1M · efficiency ratio beats 62% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.91% | 1.22% | 1.52% | Beats 25% | 247 / 328 | |
| Return on Equity | 8.17% | 8.43% | 11.45% | 14.43% | Beats 22% | 256 / 328 | |
| Net Interest Margin | 3.49% | 3.03% | 3.45% | 3.83% | Beats 52% | 156 / 328 | |
| Efficiency Ratio | 56.00% | 51.61% | 59.56% | 67.53% | Beats 62% | 126 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.24% | 0.51% | 1.03% | Beats 30% | 226 / 322 | |
| Net Charge-Offs / Loans | 0.20% | 0.01% | 0.03% | 0.10% | Beats 16% | 272 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.89% | 11.75% | 13.15% | 15.47% | Beats 12% | 288 / 328 | |
| Total Risk-Based Capital Ratio | 13.08% | 12.63% | 14.15% | 16.46% | Beats 31% | 226 / 328 | |
| Equity / Assets | 11.09% | 9.15% | 10.33% | 12.01% | Beats 62% | 124 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 101.48% | 76.63% | 87.92% | 95.36% | 89th pctl | 34 / 323 | |
| Loans / Assets | 82.52% | 65.18% | 74.15% | 79.98% | 83rd pctl | 55 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |