First National Bank of Elmer: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Elmer of Elmer, NJ against its peer group of 2672 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 | 0.83% | 1.34% | -0.51% | 25th below |
| ROAE | 8.52% | 13.32% | -4.80% | 28th below |
| Net Interest Margin | 4.37% | 3.93% | +0.44% | 74th above |
| Efficiency Ratio | 73.79% | 61.13% | +12.66% | 21st bottom |
| PPNR / Avg Assets | 1.17% | 1.68% | -0.51% | 28th below |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 41st below |
| Cost of Funds | 1.11% | 1.88% | -0.77% | 88th top |
| Net Interest Spread | 4.21% | 3.32% | +0.89% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.92% | 0.94% | -0.02% | 30th below |
| NPA / Total Assets | 0.75% | 0.70% | +0.05% | 28th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 138.48% | 1539.28% | -1400.80% | 38th below |
| Texas Ratio | 12.03% | 7.33% | +4.70% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.55% | 19.51% | -5.96% | 34th below |
| Tier 1 Ratio | 13.55% | 19.54% | -5.99% | 34th below |
| Total Capital Ratio | 14.80% | 20.63% | -5.83% | 35th below |
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 32nd below |
| Equity / Assets | 9.83% | 11.37% | -1.54% | 41st below |
| TCE / Tangible Assets | 9.83% | 11.09% | -1.26% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.73% | 80.63% | +11.10% | 25th below |
| Core Deposit Ratio | 92.00% | 86.86% | +5.14% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.79% | 6.85% | -6.06% | 24th bottom |
| Loan Growth (Y/Y) | 3.97% | 7.90% | -3.93% | 42nd below |
| Deposit Growth (Y/Y) | -0.02% | 6.29% | -6.31% | 23rd bottom |
See First National Bank of Elmer's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Elmer, 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 National Bank of Elmer profile, how to read a UBPR, or how this data updates.