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First Bank
Hamilton, NJ · FDIC Certificate #58481 · Chartered 04/2
Total assets
$4.09B
Total deposits
$3.32B
Total equity
$453.22M
Net loans
$3.33B
Branches (offices)
26
Net income (YTD)
$18.50M
Rank: #329 of 4,213 U.S. banks by assets · #9 of 49 in New Jersey. Assets changed 1.7% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 8.25% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 11.09% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 39.3% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 100.1% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.57B | 77.3% | |
| Commercial & industrial | $641.84M | 19.3% | |
| Consumer / individual | $3.74M | 0.1% | |
| Construction & development | $177.67M | 5.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.57B | $2.17B | $16.98M | $274.70M |
| Jun 2023 | $2.87B | $2.40B | $13.79M | $294.16M |
| Jun 2024 | $3.62B | $2.97B | $23.59M | $392.49M |
| Jun 2025 | $4.02B | $3.17B | $19.62M | $422.38M |
| Jun 2026 | $4.09B | $3.32B | $18.50M | $453.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $2.61B | 16 |
| Pennsylvania | $681.12M | 9 |
| Florida | $36.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.32B.
Similar-sized banks
Woori America Bank ($4.12B) · Gate City Bank ($4.04B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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