BlastPoint's Banking Scorecard
The First National Bank of Elmer
Micro
Specialty: Commercial
NJ
FDIC cert 6464
Designations: ✓ Community bank
Elmer, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
The First National Bank of Elmer 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
- - Non-Interest-Bearing Deposit Share 15.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$409.4M
+7.5% YoY
-0.2% QoQ
|
+$191.9M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$323.1M
+4.1% YoY
+1.2% QoQ
|
+$183.9M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$368.0M
+7.1% YoY
-0.4% QoQ
|
+$184.3M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.86%
+10.4% YoY
-5.2% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.21%
+2.1% YoY
-0.4% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
73.81%
-1.6% YoY
+1.2% QoQ
|
+6.08% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.21%
+923.5% YoY
+35.3% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
87.81%
-2.8% YoY
+1.6% QoQ
|
+13.28% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
6.64%
-1.9% YoY
+1.7% QoQ
|
-15.76% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-47.1% YoY
+37.2% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.59%
+5.4% YoY
+0.3% QoQ
|
+4.74% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.42%
+46.5% YoY
+22.8% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.64%
(Tier avg: 22.39%, National avg: 21.79%)
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
95
95th pctile
Total Loans
Current: $323.1M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $368.0M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $409.4M · Tier avg: $217.5M
69
69th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.59% · Tier avg: 8.85%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
31
31th pctile
Efficiency Ratio
Current: 73.81% · Tier avg: 67.73%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.81% · Tier avg: 74.53%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.64% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.64% · Tier avg: 22.39%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.81% · Tier avg: 74.53%
31
31th pctile
Efficiency Ratio
Current: 73.81% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.59% · Tier avg: 8.85%
69
69th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
89
89th pctile
Total Assets
Current: $409.4M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $368.0M · Tier avg: $183.7M
95
95th pctile
Total Loans
Current: $323.1M · Tier avg: $139.2M