First National Bank of Elmer
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Elmer is an FDIC-insured commercial bank headquartered in Elmer, NJ, established in 1903 (FDIC certificate 6464), and it is supervised by the OCC. At Q2 2026 it reported total assets of $407.8M, up 0.8% from Q2 2025, the 37th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6464
- Headquarters
- Elmer, NJ
- Established
- 1903
- Total assets, Q2 2026
- $407.8M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 031203915
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Elmer call report
- Holding company
- ELMER BANCORP, INC.
- Asset rank in state
- 37th of 49 in New Jersey
Problem loans are rising at First National Bank of Elmer. The Elmer, New Jersey bank had $408 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.14% of loans from 0.16% a year earlier. It pays an average of 1.11% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
Delinquency has appeared in its $82 million non-owner-occupied commercial real estate book: 1.54% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 4.0% and deposits fell 0.0%. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First National Bank of Elmer reported a CET1 capital ratio of 13.55%, a return on assets of 0.83%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 8.64%. The figures come from its call report filed with the FFIEC.
First National Bank of Elmer ranks as the 37th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $407.8M, loans fell 1.3% and deposits rose 2.0%. 1-4 family residential loans made up 35.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 26.9%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in NJ; its Elmer 3 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Elmer meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 S Main St, Elmer, NJ 08318
- County
- Salem
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1903
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $365.3M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $407.5M
- Average total loans
- $337.7M
- Average interest-bearing deposits
- $342.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6464
- Fed RSSD
- 609010
- Website
- http://www.elmerbank.com →
- Parent Holding Company
- ELMER BANCORP, INC. (RSSD 2947985)
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 National Bank of Elmer's total assets moved between a low of $353.7M (Q3 2023) and a high of $410.1M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$407.8M total assets against $404.6M; $367.7M total liabilities against $367.3M.
$330.8M net loans and leases against $318.2M; $365.3M total deposits against $365.4M.
$20.9M securities against $23.1M; $39.3M cash and balances due against $47.3M.
$5.3M total interest income against $5.2M; $1.0M total interest expense against $1.1M.
$4.3M net interest income against $4.0M.
$310K total noninterest income against $288K; $3.4M total noninterest expense against $3.2M.
$50K provision for credit losses against $44K.
$847K net income against $774K.
0.83% return on assets against 0.76%; 4.37% net interest margin against 4.11%.
13.55% CET1 capital ratio against 13.28%; 10.00% tier 1 leverage ratio against 9.46%.
Inside the full First National Bank of Elmer 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank of Elmer rankings
Its closest position to the top of a national ranking is 757 of 3,640, for Texas Ratio; its furthest is 2,983 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2026) to 1.19% (Q1 2025) and its net interest margin ran from 3.97% (Q3 2024) to 4.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 0.83% | 1.14% | 8.64% | 4.37% |
| Q1 2026 | 13.26% | 0.67% | 0.54% | 4.23% | 4.20% |
| Q4 2025 | 13.59% | 0.71% | 0.21% | 1.58% | 4.07% |
| Q3 2025 | 13.54% | 0.78% | 0.15% | 1.17% | 4.21% |
| Q2 2025 | 13.28% | 0.76% | 0.16% | 1.22% | 4.11% |
| Q1 2025 | 12.96% | 1.19% | 1.56% | 12.31% | 4.14% |
| Q4 2024 | 12.89% | 0.76% | 0.02% | 3.05% | 4.03% |
| Q3 2024 | 13.39% | 0.76% | 0.02% | 3.35% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Elk Branch | Glassboro , NJ | 08028 | $92.5M |
| The First National Bank of Elmer | Elmer , NJ | 08318 | $85.3M |
| Pittsgrove Branch | Elmer , NJ | 08318 | $60.3M |
| Upper Deerfield Office Branch | Bridgeton , NJ | 08302 | $52.6M |
| The Woodstown Branch | Pilesgrove , NJ | 08098 | $42.0M |
| Harding Branch | Elmer , NJ | 08318 | $32.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 57 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% 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 National Bank of Elmer
What are First National Bank of Elmer's total assets?
As of the Q2 2026 filing, First National Bank of Elmer reported total assets of $407.8 million in its FFIEC call report.
Where is First National Bank of Elmer headquartered?
It is headquartered in Elmer, NJ, United States.
When was First National Bank of Elmer founded?
It was established in 1903, per the FDIC institution directory.
Is First National Bank of Elmer FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Elmer?
First National Bank of Elmer's primary federal regulator is the OCC.
What is First National Bank of Elmer's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank of Elmer operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Elmer's Texas Ratio?
Its Texas Ratio is 8.64% 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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