First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Hamilton, NJ against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.09% | 1.34% | -0.25% | 34th below |
| ROAE | 9.62% | 12.34% | -2.72% | 27th below |
| Net Interest Margin | 3.67% | 3.83% | -0.16% | 47th below |
| Efficiency Ratio | 53.38% | 58.97% | -5.59% | 63rd above |
| PPNR / Avg Assets | 1.68% | — | — | 46th below |
| Yield on Earning Assets | 6.04% | 5.71% | +0.33% | 77th top |
| Cost of Funds | 2.54% | 2.02% | +0.52% | 20th bottom |
| Net Interest Spread | 3.00% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.86% | 0.87% | -0.01% | 31st below |
| NPA / Total Assets | 0.71% | — | — | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.19% | 0.43% | -0.24% | 19th bottom |
| ACL / Total Loans | 1.38% | — | — | 78th top |
| ACL / NPLs (Coverage) | 160.23% | — | — | 40th below |
| Texas Ratio | 6.48% | 5.48% | +1.00% | 29th below |
| Provision / NCO | 137.29% | — | — | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.89% | 14.99% | -4.10% | 8th bottom |
| Tier 1 Ratio | 10.89% | 15.02% | -4.13% | 8th bottom |
| Total Capital Ratio | 13.08% | — | — | 23rd bottom |
| Leverage Ratio | 10.17% | 11.11% | -0.94% | 41st below |
| Equity / Assets | 11.09% | 11.02% | +0.07% | 61st above |
| TCE / Tangible Assets | 9.98% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.48% | 86.99% | +14.49% | 14th bottom |
| Core Deposit Ratio | 81.69% | 85.57% | -3.88% | 25th below |
| Uninsured Deposit Ratio | 39.35% | 33.19% | +6.16% | 28th below |
| Wholesale Funding Ratio | 6.75% | — | — | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.69% | — | — | 24th bottom |
| Loan Growth (Y/Y) | 1.31% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | 4.91% | — | — | 49th below |
See First Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Bank peer analysis.