Headquartered in Elmer, New Jersey, The First National Bank of Elmer is a national bank with $407.8M in total assets and $365.3M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1903.
Based on its Q2 2026 filing, The First National Bank of Elmer scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 41st. Its strongest component is problem-loan coverage (83/100; 8.6%), and its lowest is earnings (50/100; 0.75%).
TellerScore · Q2 2026
Scorecard
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 10 points (68 → 58), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 57 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 63 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.36% |
| Q3 2024 | 9.49% |
| Q4 2024 | 9.57% |
| Q1 2025 | 9.90% |
| Q2 2025 | 9.46% |
| Q3 2025 | 9.61% |
| Q4 2025 | 9.60% |
| Q1 2026 | 10.02% |
| Q2 2026 | 10.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 1.56% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.54% |
| Q2 2026 | 1.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.78% |
| Q1 2025 | 1.19% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $407.8M | 10.00% | 1.14% | 0.75% | 90.6% |
| Q1 2026 | 63 | $400.0M | 10.02% | 0.54% | 0.66% | 93.7% |
| Q4 2025 | 67 | $409.4M | 9.60% | 0.21% | 0.86% | 87.8% |
| Q3 2025 | 68 | $410.1M | 9.61% | 0.15% | 0.91% | 86.4% |
| Q2 2025 | 68 | $404.6M | 9.46% | 0.16% | 0.98% | 87.1% |
| Q1 2025 | 57 | $384.9M | 9.90% | 1.56% | 1.19% | 91.4% |
| Q4 2024 | 67 | $380.7M | 9.57% | 0.02% | 0.78% | 90.3% |
| Q3 2024 | 68 | $381.7M | 9.49% | 0.02% | 0.79% | 86.2% |
| Q2 2024 | 68 | $383.0M | 9.36% | 0.01% | 0.80% | 85.3% |
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).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lusitania Savings BankBank Newark, NJ | 86 out of 100, Very strong | $418.1M | 15.0% | 0.19% | vs |
| Ascendia BankBank Glen Rock, NJ | 62 out of 100, Moderate | $395.3M | 9.3% | 0.13% | vs |
| Haddon Savings BankBank Haddon Heights, NJ | 58 out of 100, Moderate | $421.4M | 8.3% | 0.24% | vs |
| United Roosevelt Savings BankBank Carteret, NJ | 57 out of 100, Moderate | $381.2M | 9.1% | 0.03% | vs |
| Franklin BankBank Pilesgrove, NJ | 72 out of 100, Strong | $334.1M | 10.3% | 0.15% | vs |
| 1st Bank of Sea Isle CityBank Sea Isle City, NJ | 62 out of 100, Moderate | $311.1M | 9.7% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Elmer?
Yes. The First National Bank of Elmer is an FDIC-insured institution (FDIC certificate #6464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($94.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).
6 locations
Branches
The First National Bank of Elmer lists 6 offices in 4 cities. Most locations:
- Elmer, NJ (3)
- Bridgeton, NJ (1)
- Glassboro, NJ (1)
- Pilesgrove, NJ (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Elmer reported 84 home-loan applications under HMDA (LEI 549300O3C6Y0X1FKZJ98): 60 originated ($22,100,000 total), 18 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.5%, 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
- The First National Bank of Elmer
- Type
- National bank
- FDIC certificate #
- 6464
- RSSD ID
- 609010
- Primary regulator
- OCC
- Holding company
- Elmer Bcorp Inc
- Established
- May 1, 1903
- Headquarters
- 10 S Main St, Elmer, NJ 08318
- Website
- www.elmerbank.com
- Employees
- 77
Quick answers
The First National Bank of Elmer: common questions
Is The First National Bank of Elmer FDIC insured?
Yes. The First National Bank of Elmer is an FDIC-insured institution (FDIC certificate #6464). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Elmer's TellerScore?
58 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 The First National Bank of Elmer ever failed?
There is no failure record for FDIC certificate #6464 in the FDIC failed bank list.
How many branches does The First National Bank of Elmer have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elmer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| Goya Foods Employees Federal Credit UnionCredit union Jersey City, NJ | 86 out of 100, Very strong | $11.2M | 22.4% | 0.86% | vs |
| New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $33.3M | 12.0% | 0.00% | vs |