FIRST BANK

HAMILTON, NJ | Large | Est. April 23, 2007, midnight | FDIC #58481 | RSSD #3401970 | FDIC
Latest Report: 2025-12-31

FIRST BANK is aln large FDIC-insured commercial bank headquartered in HAMILTON, NJ, established in April 23, 2007, midnight. As of 2025-12-31, the bank reported total assets of $4.0B and total deposits of $3.2B. Profitability stands at 1.23% ROA and 11.26% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 10.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 2.90%. FDIC Certificate #58481.

Assets

$4.0B

Deposits

$3.2B

Loans

$3.3B

Equity

$444M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 11.26%
Net Interest Margin (NIM) 3.94%
Yield on Assets 6.56%
Cost of Funds 4.28%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.13%
Texas Ratio 2.90%
NPA Ratio 0.36%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 10.67%
Tier 1 Capital 10.67%
Total Capital Ratio 12.87%
Leverage Ratio 9.75%
Loan-to-Deposit 102.84%

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