BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Commercial
NJ
FDIC cert 58481
Hamilton, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
First Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+4.7% YoY
-1.8% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$3.2B
+4.6% YoY
-2.5% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.2B
+4.8% YoY
-0.7% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.11%
-3.6% YoY
+4.3% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.79%
+4.0% YoY
+1.4% QoQ
|
+0.13% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
52.18%
-4.9% YoY
-4.2% QoQ
|
-10.45% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.44%
+103.1% YoY
+43.3% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
101.42%
-0.2% YoY
-1.9% QoQ
|
+18.36% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.87%
+5.2% YoY
-0.4% QoQ
|
-3.17% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.36%
+9.9% YoY
+42.4% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
10.67%
+10.1% YoY
+5.1% QoQ
|
+0.43% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.26%
+27.3% YoY
+71.3% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#167 of 642 · Bottom 26% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
79
79th pctile
Efficiency Ratio
Current: 52.18% · Tier avg: 62.63%
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.87% · Tier avg: 21.05%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.67% · Tier avg: 10.24%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.42% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.42% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.67% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.87% · Tier avg: 21.05%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
79
79th pctile
Efficiency Ratio
Current: 52.18% · Tier avg: 62.63%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M