First Bank (Hamilton, NJ)
First Bank (Hamilton, NJ) reported total assets of $4.1 bn at Q2 2026, up 1.7% on a year earlier, the 325th largest of 497 banks in our US coverage. The CET1 capital ratio at First Bank (Hamilton, NJ) was 10.89%, and the uninsured share of First Bank (Hamilton, NJ) was 39.35%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, First Bank (Hamilton, NJ) slipped from 153rd to 330th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , First Bank (Hamilton, NJ) has taken over 4 institutions; the latest was Malvern Bank N.A. on (FDIC Call Reports).
- First Bank (Hamilton, NJ) reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.89% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
What sets First Bank (Hamilton, NJ) apart
How large is First Bank (Hamilton, NJ)?
The balance sheet of First Bank (Hamilton, NJ) at : assets $4.1 bn, deposits $3.3 bn, net loans $3.3 bn (loans equal to 100.08% of deposits). Securities make up 3.9% of total assets at First Bank (Hamilton, NJ). Since , when First Bank (Hamilton, NJ) held $917.4 mn, its assets grew 345.5%. In the year to , deposits at First Bank (Hamilton, NJ) rose 4.9% while its total assets rose 1.7%. At , First Bank (Hamilton, NJ) employed 338 full-time equivalent staff across 26 offices, about $12.1 mn of assets per employee and $127.8 mn of deposits per office.
How much funding at First Bank (Hamilton, NJ) is uninsured?
At First Bank (Hamilton, NJ), uninsured deposits (above the FDIC limit) made up 39.35% of domestic deposits at (+3.80 pp on a year earlier); First Bank (Hamilton, NJ) ranks 195th of 500 on this measure. In dollars, First Bank (Hamilton, NJ) estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.3 bn | +4.9% | 334th of 499 |
| Net loans and leases | $3.3 bn | +1.1% | 297th of 500 |
| Loan-to-deposit ratio | 100.08% | -3.72 pp | 56th of 500 |
| Tier 1 leverage ratio | 10.17% | +0.75 pp | 274th of 500 |
| Total risk-based capital ratio | 13.08% | +0.40 pp | 352nd of 448 |
| Net interest margin | 3.70% | +0.02 pp | 228th of 500 |
| Return on assets (ROA) | 0.92% | -0.08 pp | 410th of 500 |
| Efficiency ratio | 54.89% | -1.63 pp | 228th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.4 mn | Narrowed by $1.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $5.0 mn | Widened by $250,000 | |
| Noncurrent loans to total loans | 0.86% | +0.51 pp | 330th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.40% | +0.35 pp | 420th of 500 (1 = lowest) |
US rank of First Bank (Hamilton, NJ): 1 = highest unless marked 1 = lowest.
Balance sheet
First Bank (Hamilton, NJ): assets, deposits and loans
- Total assets $4.1bn
- Deposits $3.3bn
- Net loans $3.3bn
Capital and securities
The CET1 ratio of First Bank (Hamilton, NJ) stood at 10.89% in , +0.93 pp year on year. Low and high at First Bank (Hamilton, NJ) since : 8.17% () to 11.83% (). Equity capital of First Bank (Hamilton, NJ) at : $453.2 mn, or 11.1% of total assets. First Bank (Hamilton, NJ) also reported a total capital ratio of 13.08% for , and a tier 1 leverage ratio of 10.17%.
On held-to-maturity securities, First Bank (Hamilton, NJ) carried an unrealized loss of $2.4 mn at , equal to 0.5% of equity capital. The loss narrowed by $1.6 mn over the year. Its deepest point: $6.9 mn in . The available-for-sale portfolio of First Bank (Hamilton, NJ) showed an unrealized loss of $5.0 mn at ; the loss widened by $250,000 over the year.
First Bank (Hamilton, NJ): capital ratios
- Total capital 13%
- CET1 11%
- Tier 1 leverage 10%
First Bank (Hamilton, NJ): unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity -$2mn
Profitability and loan quality
For the year to , First Bank (Hamilton, NJ) earned a return on equity of 8.25%; return on assets: 0.92%. Net interest margin at First Bank (Hamilton, NJ): 3.70%, +0.02 pp in a year. First Bank (Hamilton, NJ) net income: $18.5 mn, down 5.7% year on year. The efficiency ratio of First Bank (Hamilton, NJ) was 54.89%: about 55 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.86% of total loans at First Bank (Hamilton, NJ); net charge-offs: 0.40% of average loans. Gross loans and leases at First Bank (Hamilton, NJ): $3.4 bn, up 1.3% in a year.
First Bank (Hamilton, NJ): profitability
- Return on equity 8.2%
- Net interest margin 3.7%
- Return on assets 0.9%
Peer group of First Bank (Hamilton, NJ)
The peer group of First Bank (Hamilton, NJ) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of First Bank (Hamilton, NJ) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New Jersey. Against them, First Bank (Hamilton, NJ) shows CET1 ratio 10.89% against a peer median of 16.80%, return on equity 8.25% against a peer median of 11.16% and uninsured deposit share 39.35% against a peer median of 45.55%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
| United Community Bank | State nonmember bank | IL | $4.1 bn | 13.70% | 13.12% | 35.03% | |
| Woori America Bank | State nonmember bank | NY | $4.1 bn | 18.34% | 5.52% | 68.67% | |
| First Bank | State nonmember bank | NJ | $4.1 bn | 10.89% | 8.25% | 39.35% | |
| Gate City Bank | Federal savings bank | ND | $4.0 bn | not reported | 9.30% | 10.91% | |
| Spencer Savings Bank, SLA | State-chartered stock savings and loan association | NJ | $4.0 bn | 16.80% | 5.41% | 41.60% | |
| West Bank | State nonmember bank | IA | $4.0 bn | 13.03% | 13.02% | 49.50% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Bank (Hamilton, NJ), to : assets +8.8%, deposits +9.0%, equity +12.7%. Staff 313 to 338; offices 25 to 26.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.8 bn | $3.8 bn | $3.9 bn | $4.0 bn | $4.0 bn | $4.0 bn | $4.0 bn | $4.1 bn |
| Total deposits | $3.1 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn |
| Bank equity capital | $402.1 mn | $409.2 mn | $414.9 mn | $422.4 mn | $431.9 mn | $443.5 mn | $449.4 mn | $453.2 mn |
| CET1 ratio | 9.65% | 9.70% | 9.59% | 9.96% | 10.15% | 10.67% | 10.88% | 10.89% |
| Return on equity (ROE) | 10.94% | 10.79% | 9.11% | 9.44% | 9.96% | 10.29% | 6.85% | 8.25% |
| Uninsured share of domestic deposits | 35.63% | 35.38% | 37.64% | 35.55% | 34.98% | 36.25% | 38.44% | 39.35% |
| Full-time equivalent employees | 313 | 318 | 315 | 335 | 332 | 334 | 327 | 338 |
| Number of offices | 25 | 24 | 25 | 26 | 25 | 26 | 26 | 26 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Bank (Hamilton, NJ), oldest first; figures before and after each event are not like for like.
- . Absorbed Bucks County Bank (FDIC certificate 57804).
- . Absorbed Delanco Federal Savings Bank (FDIC certificate 28631).
- . Absorbed Grand Bank, National Association (FDIC certificate 57274).
- . Absorbed Malvern Bank N.A. (FDIC certificate 27861).
Questions and identifiers
What were the total assets of First Bank (Hamilton, NJ)?
First Bank (Hamilton, NJ) reported $4.1 bn at in its Call Report. That makes First Bank (Hamilton, NJ) the 325th largest of 497 banks in our US coverage.
Is First Bank (Hamilton, NJ) profitable?
First Bank (Hamilton, NJ) reported net income of $18.5 mn for the year to ; annualized return on equity: 8.25%. So yes: First Bank (Hamilton, NJ) made a profit over these months.
When is data for First Bank (Hamilton, NJ) next updated?
Figures from First Bank (Hamilton, NJ) for are due after .
Where can I check the figures for First Bank (Hamilton, NJ)?
In the FDIC BankFind Suite record for certificate 58481, and in the Call Reports of First Bank (Hamilton, NJ) (RSSD ID 3401970) at the FFIEC Central Data Repository.