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First National Bank of Absecon

Absecon, NJ · Cert 6442 · Absecon Bcorp

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

31

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 National Bank of Absecon

Absecon, NJ · Cert 6442 · Absecon Bcorp

National charter · OCC · 4 branches

Q2 2026

$195.0MAssets
$122.2MLoans
$175.8MDeposits
$18.0MEquity
Loan mix
95%RE $119.0M5%C&I $6.5M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $140.0M20%Noninterest $35.8MQ2 2025Q2 2026

NIM

4.32%Q2 ’244.47%Q2 ’254.60%Q2 ’26-2%+5%

Non-interest income vs. expense

3.29%Q2 ’242.88%Q2 ’253.02%Q2 ’26-13%+5%

Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 1.5% share · #11 of 16 inst. · $0.2B of $11.5B

Executive Summary

  • Earnings: ROA of 0.81%, up 14 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.06% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.21%, up 18 bps from a year ago.
  • Funding: loans stand at 69.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+19 bps YoY

Efficiency Ratio (YTD, annualized)

75.86%-26 bps YoY

Tier 1 Leverage Ratio

10.21%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.52%0.82%0.77%0.81%+14 bps
Return on Equity7.99%6.14%9.44%8.26%8.78%+79 bps
Net Interest Margin3.56%3.62%3.65%3.77%3.76%+19 bps
Efficiency Ratio76.12%82.72%76.55%77.43%75.86%-26 bps
Non-Interest Burden2.66%2.95%2.69%2.87%2.80%+14 bps
Growth
Asset Growth (YoY)8.52%6.97%1.33%-0.90%-0.49%-901 bps
Loan Growth (YoY)12.97%10.47%6.51%3.94%-0.89%-1,386 bps
Deposit Growth (YoY)7.99%6.74%0.15%-2.05%-1.28%-927 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.07%0.07%0.06%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.91%0.89%0.90%0.89%0.90%-1 bps
Allowance Coverage of NPLs11.0x11.3x12.8x13.5x14.2x+3.2x
Capital
Tier 1 Leverage Ratio10.03%9.99%10.25%10.44%10.21%+18 bps
Total Risk-Based Capital10.03%9.99%10.25%10.44%10.21%+18 bps
Equity / Assets8.55%8.93%9.21%9.30%9.22%+67 bps
Liquidity & Funding
Loans / Deposits69.22%68.63%71.04%71.88%69.49%+27 bps
Liquid Assets / Assets11.62%12.86%11.11%10.34%13.20%+158 bps
CRE / Total Capitaln/a186.34%184.25%184.35%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 National Bank of Absecon

Absecon, NJ · Cert 6442 · Peer group: banks under $1B in assets (n=581-629) · Absecon Bcorp

National charter · OCC · 4 branches

Q2 2026

$195.0MAssets
$122.2MLoans
$175.8MDeposits
$18.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets (rank 554 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.81%

Rank 409 of 629

Net Interest Margin

3.76%

Rank 250 of 629

Efficiency Ratio

75.86%

Rank 433 of 629

Equity / Assets

9.22%

Rank 455 of 629

Non-interest income vs. expense

$0.4M$6.0MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 31% of banks under $1B in assets
Bank 75.86%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.60%1.01%1.45%Beats 35%409 / 629
Return on Equity8.83%5.38%9.30%13.28%Beats 46%341 / 629
Net Interest Margin3.76%3.03%3.54%4.05%Beats 60%250 / 629
Efficiency Ratio75.86%58.35%67.79%79.08%Beats 31%433 / 629
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.46%1.20%Beats 78%126 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio10.21%11.24%13.84%18.77%Beats 13%547 / 629
Total Risk-Based Capital Ratio10.21%11.58%14.43%19.66%Beats 12%554 / 629
Equity / Assets9.22%9.09%10.65%13.80%Beats 28%455 / 629
Liquidity & Funding
Loans / Deposits69.49%67.24%80.90%93.48%30th pctl418 / 594
Loans / Assets62.66%53.31%67.71%78.15%40th pctl380 / 629
Brokered Deposits / Depositsn/aNot reported for this institution