TellerScore

The First National Bank of Absecon (FDIC certificate #6442) is based in Absecon, New Jersey. Its Q2 2026 call report shows $195.0M in total assets and $175.8M in deposits and 4 offices.

Based on its Q2 2026 filing, The First National Bank of Absecon scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 19th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is earnings (52/100; 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.21%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 68.9% · 38.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.40%

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 rose 2 points (68 → 70), mostly because the earnings component improved by 5 points.

TellerScore
676970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202468
Q1 202568
Q2 202568
Q3 202567
Q4 202570
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.10%
Q3 202410.32%
Q4 202410.02%
Q1 202510.03%
Q2 202510.03%
Q3 20259.99%
Q4 202510.25%
Q1 202610.44%
Q2 202610.21%
Noncurrent loans
0.06%0.09%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.11%
Q4 20240.10%
Q1 20250.09%
Q2 20250.08%
Q3 20250.08%
Q4 20250.07%
Q1 20260.07%
Q2 20260.06%
Return on assets
0.52%0.67%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.60%
Q4 20240.62%
Q1 20250.58%
Q2 20250.67%
Q3 20250.52%
Q4 20250.82%
Q1 20260.77%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$195.0M10.21%0.06%0.81%68.9%
Q1 202670$194.0M10.44%0.07%0.77%71.2%
Q4 202570$197.1M10.25%0.07%0.82%70.4%
Q3 202567$194.2M9.99%0.08%0.52%68.0%
Q2 202568$195.9M10.03%0.08%0.67%68.6%
Q1 202568$195.8M10.03%0.09%0.58%67.1%
Q4 202468$194.5M10.02%0.10%0.62%66.2%
Q3 202469$181.6M10.32%0.11%0.60%65.8%
Q2 202468$180.6M10.10%0.12%0.54%65.6%

2,650 peers · $100 million – $1 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 ratio10.21%
36th
Total risk-based capital0.00%
24th
Problem loans0.06%
77th
Net charge-offs0.00%
68th
Return on assets0.81%
24th
Net interest margin4.02%
54th
Efficiency ratio75.9%
19th
Loans to deposits68.9%
71st
Uninsured deposits38.6%
12th
Loan-loss reserves0.90%
17th
Texas ratio0.4%
79th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
Schuyler Savings BankBank Kearny, NJ72 out of 100, Strong$151.2M14.1%0.36%vs
GSL Savings BankBank Guttenberg, NJ53 out of 100, Below average$151.2M7.5%0.22%vs
Monroe Savings BankBank Williamstown, NJ76 out of 100, Strong$114.0M14.0%0.52%vs
The Pennsville National BankBank Pennsville, NJ66 out of 100, Moderate$281.8M10.2%1.41%vs
Liberty Bank of New JerseyBank Verona, NJ73 out of 100, Strong$107.4M50.5%0.00%vs

Deposit insurance

Is my money safe at The First National Bank of Absecon?

Yes. The First National Bank of Absecon is an FDIC-insured institution (FDIC certificate #6442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.6% of deposits ($67.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The First National Bank of Absecon lists 4 offices in 2 cities. Most locations:

  • Absecon, NJ (3)
  • Northfield, NJ (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Absecon reported 54 home-loan applications under HMDA (LEI 549300S6QGHHFR78KR45): 44 originated ($8,390,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, 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
The First National Bank of Absecon
Type
National bank
FDIC certificate #
6442
RSSD ID
188917
Primary regulator
OCC
Holding company
Absecon Bcorp
Established
March 20, 1916
Headquarters
106 New Jersey Ave, Absecon, NJ 08201
Employees
35

Quick answers

The First National Bank of Absecon: common questions

Is The First National Bank of Absecon FDIC insured?

Yes. The First National Bank of Absecon is an FDIC-insured institution (FDIC certificate #6442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Absecon's TellerScore?

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

Has The First National Bank of Absecon ever failed?

There is no failure record for FDIC certificate #6442 in the FDIC failed bank list.

How many branches does The First National Bank of Absecon have?

4 offices as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Sturdy Savings BankBank Stone Harbor, NJ68 out of 100, Moderate$1.1B9.7%0.15%vs