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The First National Bank Of Elmer
Elmer, NJ · FDIC Certificate #6464 · Chartered 05/0
Total assets
$407.77M
Total deposits
$365.29M
Total equity
$40.09M
Net loans
$330.81M
Branches (offices)
6
Net income (YTD)
$1.52M
Rank: #2,042 of 4,213 U.S. banks by assets · #37 of 49 in New Jersey. Assets changed 0.8% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 7.69% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 9.83% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 90.6% |
| Real estate loans (share of loans) | 95.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $316.97M | 95.8% | |
| Commercial & industrial | $15.54M | 4.7% | |
| Consumer / individual | $451.00K | 0.1% | |
| Construction & development | $16.02M | 4.8% | |
| Agricultural | $2.70M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $392.90M | $363.08M | $861.00K | $28.17M |
| Jun 2023 | $361.08M | $328.34M | $1.82M | $31.07M |
| Jun 2024 | $383.01M | $347.35M | $1.47M | $33.77M |
| Jun 2025 | $404.57M | $365.36M | $1.91M | $37.30M |
| Jun 2026 | $407.77M | $365.29M | $1.52M | $40.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $365.29M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $365.29M.
Similar-sized banks
Southern Bank ($407.88M) · Highlands Bank ($407.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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