FDIC certificate 58481
First Bank
Hamilton, New Jersey · 2465 Kuser Rd 08690
Hunter Score
This bank ranks below the middle of its size group.
Down 1 point from last quarter.
Compared with 265 banks with $3 billion to $10 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
First Bank has a Hunter Score of 35 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $3 billion to $10 billion in assets.
The FDIC reported efficiency ratio of 54.89% (field EEFFR). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 53 out of 100. A rank of 50 is typical.
The FDIC reported return on equity of 8.25% (field ROE). Among banks with $3 billion to $10 billion in assets, the peer rank for this measure is 15 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Commercial real estate loans are at least 300% of capitalConstruction loans, multifamily loans, and other nonfarm nonresidential loans (not the owner-occupied ones) totaled $1,629,146,000, which is 339% of total risk-based capital. The 2006 supervisory guidance uses 300% as a level to look at more closely. From 2023-06-30 to this quarter, the same loan group was up 23%. That is below the 50% growth the guidance also mentions.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in New Jersey with $3 billion to $10 billion in assets, ordered by Hunter Score.
- Amboy Bank80out of 100
- Unity Bank73out of 100
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited64out of 100
- Manasquan Bank25out of 100
- Peapack Private Bank & Trust23out of 100
Top Hunter Scores in New Jersey · Top scores with $3 billion to $10 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
8.25%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 15 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.92%
Profit for each dollar of assets. Higher is stronger.
Peer rank 19 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.70%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 53 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
54.89%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 53 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.86%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 32 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202635 out of 100
- Q1 2026, ending March 31, 202636 out of 100
- Q4 2025, ending December 31, 202554 out of 100
- Q3 2025, ending September 30, 202554 out of 100
- Q2 2025, ending June 30, 202550 out of 100
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About this bank
- Total assets
- $4.1 billion
- Deposits
- $3.3 billion
- Equity
- $453.2 million
- Tangible equity
- $409.1 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 26
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $18.5 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 3401970.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
2465 Kuser Rd, Hamilton, NJ 08690
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.