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
Unfavorable gap of $5.5M · efficiency ratio beats 31% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 35% | 409 / 629 | |
| Return on Equity | 8.83% | 5.38% | 9.30% | 13.28% | Beats 46% | 341 / 629 | |
| Net Interest Margin | 3.76% | 3.03% | 3.54% | 4.05% | Beats 60% | 250 / 629 | |
| Efficiency Ratio | 75.86% | 58.35% | 67.79% | 79.08% | Beats 31% | 433 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.46% | 1.20% | Beats 78% | 126 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.21% | 11.24% | 13.84% | 18.77% | Beats 13% | 547 / 629 | |
| Total Risk-Based Capital Ratio | 10.21% | 11.58% | 14.43% | 19.66% | Beats 12% | 554 / 629 | |
| Equity / Assets | 9.22% | 9.09% | 10.65% | 13.80% | Beats 28% | 455 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 69.49% | 67.24% | 80.90% | 93.48% | 30th pctl | 418 / 594 | |
| Loans / Assets | 62.66% | 53.31% | 67.71% | 78.15% | 40th pctl | 380 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |