BanksFIRST NATIONAL BANK OF ELMER

FIRST NATIONAL BANK OF ELMER

ELMER, NJSmallEst. May 1, 1903, midnightFDIC #6464RSSD #609010OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF ELMER is an FDIC-insured commercial bank headquartered in ELMER, NJ, established in May 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $409M and total deposits of $368M. Profitability stands at 0.72% ROA and 7.63% ROE, with a net interest margin of 4.28%. CET1 capital ratio: 13.59%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 6 domestic branches.

Assets
$409M
Deposits
$368M
Loans
$327M
Equity
$39M

Profitability

Return on Assets (ROA)0.72%
Return on Equity (ROE)7.63%
Net Interest Margin4.28%
Yield on Assets5.55%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.27%

Capital & Liquidity

CET1 Ratio13.59%
Tier 1 Capital13.59%
Total Capital Ratio14.84%
Leverage Ratio9.60%
Loan-to-Deposit88.94%

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