TellerScore

Headquartered in Hamilton, New Jersey, First Bank is a state-chartered bank with $4.1B in total assets and $3.3B in deposits as of Q2 2026. It operates 26 offices across 3 states. Its charter dates back to 2007.

Based on its Q2 2026 filing, First Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 36th. Its strongest component is problem-loan coverage (88/100; 5.8%), and its lowest is funding & liquidity (33/100; 100% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.17%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity33/100
Loans ÷ deposits and uninsured-deposit share: 100.1% · 39.3% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (62 → 59), mostly because the loan quality component weakened by 17 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202465
Q1 202563
Q2 202562
Q3 202563
Q4 202563
Q1 202659
Q2 202659
Tier 1 leverage ratio
5.00%7.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.45%
Q3 20249.53%
Q4 20249.50%
Q1 20259.63%
Q2 20259.42%
Q3 20259.54%
Q4 20259.75%
Q1 202610.20%
Q2 202610.17%
Noncurrent loans
0.21%0.54%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.22%
Q4 20240.21%
Q1 20250.21%
Q2 20250.35%
Q3 20250.30%
Q4 20250.43%
Q1 20260.67%
Q2 20260.86%
Return on assets
0.77%1.04%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.16%
Q4 20241.15%
Q1 20250.98%
Q2 20251.01%
Q3 20251.06%
Q4 20251.11%
Q1 20260.77%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$4.1B10.17%0.86%0.92%100.1%
Q1 202659$4.0B10.20%0.67%0.77%101.0%
Q4 202563$4.0B9.75%0.43%1.11%101.4%
Q3 202563$4.0B9.54%0.30%1.06%103.4%
Q2 202562$4.0B9.42%0.35%1.01%103.8%
Q1 202563$3.9B9.63%0.21%0.98%102.5%
Q4 202465$3.8B9.50%0.21%1.15%101.7%
Q3 202465$3.8B9.53%0.22%1.16%100.0%
Q2 202465$3.6B9.45%0.30%1.31%99.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.17%
41st
Total risk-based capital13.08%
42nd
Problem loans0.86%
31st
Net charge-offs0.40%
10th
Return on assets0.92%
25th
Net interest margin3.70%
50th
Efficiency ratio54.9%
62nd
Loans to deposits100.1%
14th
Uninsured deposits39.3%
28th
Loan-loss reserves1.38%
78th
Texas ratio5.8%
33rd

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Spencer Savings Bank, SLABank Elmwood Park, NJ61 out of 100, Moderate$4.0B11.2%0.58%vs
Sumitomo Mitsui Trust Bank (U.S.A.) LimitedBank Hoboken, NJ85 out of 100, Very strong$3.9B12.7%0.00%vs
Manasquan BankBank Manasquan, NJ59 out of 100, Moderate$3.6B9.7%0.64%vs
Unity BankBank Clinton, NJ69 out of 100, Moderate$3.2B12.9%1.23%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
BCB Community BankBank Bayonne, NJ28 out of 100, Low$3.1B10.4%2.85%vs

Deposit insurance

Is my money safe at First Bank?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #58481). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.3% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.08% (benchmark: 10%).

Check how much of your own balance is covered

26 locations

Branches

First Bank lists 26 offices in 26 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bank reported 90 home-loan applications under HMDA (LEI 549300YS4CB1171BRJ08): 64 originated ($62,440,000 total), 7 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Bank
Type
State-chartered bank
FDIC certificate #
58481
RSSD ID
3401970
Primary regulator
FDIC
Established
April 23, 2007
Headquarters
2465 Kuser Rd, Hamilton, NJ 08690
Employees
338

Quick answers

First Bank: common questions

Is First Bank FDIC insured?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #58481). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Bank ever failed?

There is no failure record for FDIC certificate #58481 in the FDIC failed bank list.

How many branches does First Bank have?

26 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton

InstitutionScoreAssetsCapitalProblem loansCompare
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Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ91 out of 100, Very strong$52.3M14.4%0.48%vs
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