The First National Bank of Elmer: how it compares with its peers
Against 12 NJ banks with half to twice its assets, The First National Bank of Elmer's strongest measure in Q2 2026 is net interest margin (4.31% vs. a 3.24% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $7.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 0.46% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.31% | 3.24% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.89% | 78.44% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $7.4M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.56% | 75.01% | Context |
What it means for lending operations
Its efficiency ratio of 75.89% is better than the 78.44% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Lusitania Savings Bank Newark, NJ · $418M
- Ascendia Bank Glen Rock, NJ · $395M
- Haddon Savings Bank Haddon Heights, NJ · $421M
- United Roosevelt Savings Bank Carteret, NJ · $381M
- Franklin Bank Pilesgrove, NJ · $334M
- 1st Bank of Sea Isle City Sea Isle City, NJ · $311M
Questions about The First National Bank of Elmer
How big is The First National Bank of Elmer?
The First National Bank of Elmer, established in 1903, is headquartered in Elmer, NJ. It reported $408M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The First National Bank of Elmer's return on assets?
0.75% annualized in Q2 2026, against a 0.46% median for 12 NJ banks with half to twice its assets, ahead of 75% of them.
What is The First National Bank of Elmer's efficiency ratio?
75.89% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 78.44%, and lower is better.
Is The First National Bank of Elmer growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 0.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.