First Bank (Hamilton, NJ)
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Data as of · sourced from FFIEC call reports. How we update
First Bank is an FDIC-insured commercial bank headquartered in Hamilton, NJ, established in 2007 (FDIC certificate 58481), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.09B, up 1.7% from Q2 2025, the 9th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 10.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58481
- Headquarters
- Hamilton, NJ
- Established
- 2007
- Total assets, Q2 2026
- $4.09B
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 10.89%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 031207924
- Asset rank in state
- 9th of 49 in New Jersey
Problem loans are rising at First Bank. The Hamilton, New Jersey bank had $4.1 billion in assets at June 30, 2026, up 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.86% of loans from 0.35% a year earlier. It holds common equity equal to 10.89% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
The non-owner-occupied commercial real estate book ($1.2 billion) is worsening: 1.74% of it is past due or on nonaccrual, up from 0.06% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.3% and deposits rose 4.9%. Funding is the softer spot: it pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, First Bank reported a CET1 capital ratio of 10.89%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 6.48%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Bank is the 9th largest of the 49 banks headquartered in New Jersey. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $4.09B, loans rose 2.1% and deposits rose 3.0%. Non-owner-occupied commercial real estate loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.0%. The FDIC Summary of Deposits lists 26 offices for it, in 26 cities across 3 states; its Hamilton office books 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2465 Kuser Rd, Hamilton, NJ 08690
- County
- Mercer
- Metro Area
- Trenton-Princeton, NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 23, 2007
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 338
- Domestic deposits
- $3.32B
- Allowance for credit losses
- $46.6M
- Net charge-offs (YTD)
- $6.7M
- Average total assets
- $4.00B
- Average total loans
- $3.37B
- Average interest-bearing deposits
- $2.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 23, 2007
- FDIC Cert
- 58481
- Fed RSSD
- 3401970
- Website
- www.myfirstbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Bank's total assets moved between a low of $3.56B (Q3 2023) and a high of $4.09B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.09B total assets against $4.02B; $3.63B total liabilities against $3.60B.
$3.33B net loans and leases against $3.29B; $3.32B total deposits against $3.17B.
$157.9M securities against $129.7M; $352.0M cash and balances due against $345.6M.
$57.3M total interest income against $59.2M; $22.5M total interest expense against $25.2M.
$34.8M net interest income against $34.0M.
$2.2M total noninterest income against $2.7M; $20.1M total noninterest expense against $20.9M.
$2.2M provision for credit losses against $2.6M.
$10.9M net income against $10.2M.
1.09% return on assets against 1.04%; 3.67% net interest margin against 3.64%.
10.89% CET1 capital ratio against 9.96%; 10.17% tier 1 leverage ratio against 9.42%.
Inside the full First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Bank rankings
Its closest position to the top of a national ranking is 322 of 4,196, for total assets; its furthest is 1,981 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q1 2026) to 1.22% (Q4 2025) and its net interest margin ran from 3.50% (Q3 2024) to 3.77% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 1.09% | 0.86% | 6.48% | 3.67% |
| Q1 2026 | 10.88% | 0.78% | 0.67% | 4.95% | 3.64% |
| Q4 2025 | 10.67% | 1.22% | 0.43% | 3.24% | 3.77% |
| Q3 2025 | 10.15% | 1.17% | 0.30% | 2.40% | 3.74% |
| Q2 2025 | 9.96% | 1.04% | 0.35% | 2.83% | 3.64% |
| Q1 2025 | 9.59% | 0.99% | 0.21% | 2.90% | 3.60% |
| Q4 2024 | 9.70% | 1.11% | 0.21% | 3.12% | 3.55% |
| Q3 2024 | 9.65% | 0.89% | 0.22% | 3.24% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 26 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank (main office) | Hamilton , NJ | 08690 | $762.2M |
| Denville Branch | Denville , NJ | 07834 | $332.3M |
| Lawrence Branch | Lawrenceville , NJ | 08648 | $273.0M |
| Franklin Branch | Somerset , NJ | 08873 | $159.4M |
| Raritan Township Branch | Flemington , NJ | 08822 | $153.3M |
| Concordia Branch | Monroe Township , NJ | 08831 | $135.7M |
| Fairfield Branch | Fairfield , NJ | 07004 | $125.1M |
| West Chester Branch | West Chester , PA | 19380 | $123.1M |
| Ewing Branch | Ewing , NJ | 08628 | $108.8M |
| Williamstown Branch | Williamstown , NJ | 08094 | $108.5M |
| Lionville Branch | Downingtown , PA | 19335 | $106.9M |
| Sussex Turnpike Branch | Randolph , NJ | 07869 | $104.3M |
| Trevose Branch | Trevose , PA | 19053 | $92.0M |
| Delanco Branch | Delanco , NJ | 08075 | $86.1M |
| Summit Branch | Summit , NJ | 07901 | $76.5M |
| Paoli Branch | Paoli , PA | 19301 | $75.6M |
| Hopewell Branch | Pennington , NJ | 08534 | $66.6M |
| Cinnaminson Branch | Cinnaminson , NJ | 08077 | $66.3M |
| Malvern Branch | Malvern , PA | 19355 | $63.8M |
| Doylestown Branch Office | Doylestown , PA | 18901 | $63.6M |
| Berwyn Branch | Devon , PA | 19333 | $62.0M |
| Media Branch | Media , PA | 19063 | $51.6M |
| Warminster Branch | Warminster , PA | 18974 | $42.6M |
| Florida Branch | Wellington , FL | 33414 | $36.6M |
| Trenton Branch | Trenton , NJ | 08608 | $24.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 17, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 2023 | Structure Change | Acquired Malvern Bank N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2019 | Structure Change | Acquired Grand Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | M&A | Acquired Delanco Bancorp, Inc merger for the acquired bank | SEC |
| May 1, 2018 | Structure Change | Acquired Delanco Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2017 | Structure Change | Acquired Bucks County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2014 | Structure Change | Acquired Heritage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NJ, rank 26 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 35 loans, $27.7M approved, $792K average. 2.86% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $4.09 billion in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in Hamilton, NJ, United States.
When was First Bank founded?
It was established in 2007, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58481). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the FDIC.
What is First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Bank operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
Its Texas Ratio is 6.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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