# FIRST NATIONAL BANK OF ELMER
ELMER, NJ · FDIC certificate 6464 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $407.8M | |
| Deposits | $365.3M | |
| Loans and leases | $335.1M | |
| Total equity | $40.1M | |
| Loans / deposits | 90.56% (p72 of band) | 82.04% |
| Liquid assets / assets | 14.76% (p16 of band) | |
| Uninsured deposits / deposits | 25.74% (p49 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.00% (p34 of band) | 10.81% |
| Unrealized securities loss / equity | -2.67% (p74 of band) | -8.10% |
| AOCI / equity | 0.11% (p85 of band) | |
| ROA (annualized) | 0.75% (p19 of band) | 1.28% |
| Net interest margin | 4.31% (p73 of band) | 3.91% |
| Efficiency ratio | 75.89% (p84 of band) | |
| Noncurrent loans | 1.14% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 111.07% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 39.96% (p47 of band) | |
| Auto loans | $109,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 77 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 2 | construction >100% equity |  |
| 2015-03 | 2 | charge-offs p90 | construction >100% equity |
| 2015-06 | 3 | construction >100% equity |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 2 |  | charge-offs p90, capital falling |
| 2016-03 | 4 | liquid assets <10%, charge-offs p90 |  |
| 2016-06 | 2 |  | liquid assets <10%, charge-offs p90 |
| 2016-09 | 2 | uninsured deposits leaving | construction >100% equity |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 2 | liquid assets <10% |  |
| 2018-06 | 2 | capital falling | liquid assets <10% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | reserve under noncurrent, capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | liquid assets <10% |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 0 |  | expense ratio p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | reserve under noncurrent |  |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-30 [Elmer Bancorp, Inc. Announces Second Quarter 2026 Financial Results - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWEtvVGYzeEdPcUVCSTN6VllNaUV2TXV0c3dNb0RLN05pdUhVQ1hJZEhzY1dxeWFEbkcyNnBRWC1XZ2dtTUt6Q1BJME83OFc1b3l0ZjJXQ29JX2tOaW05V19fRkJ4MTUzRzB2eVhaWWpsb3Q2R3V2RVJJYWdzbW5sWDZ1Mml3aHExR0hKeV81R01vNWhCbmdEZHZMN2dhem1EYzZhMFFPQ05HTjV5bG9jRkYyMFF6dXFyNkFkN3NTazU?oc=5) · Business Wire
- 2026-03-04 [18 N.J. banks acknowledged on Newsweek’s best regional banks list - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWW15TXRoWXpYaTVtb3Q1dFluenVPOXRkWEU1cWIyNWpxWWRyQmthTnhjckVvWUxQN0MxVjI5bXhzLXA1d3BobHNtcjB3UkUwWmZINGxaSFZQSHh3VV84SjdWMzVfWl9JampFQlY3VC1qZWVzUHgyaktkdWVCeGZfM21CRXNiSVl6WnF5cmF6aWdTRXhiZUZRSnozWFRManFPX1hnOE1DRlM2dw?oc=5) · ROI-NJ
- 2020-11-24 [Brian W. Jones - philadelphiafed.org](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8wc25HRThRNzdYQlVNTWdCSk5tbTF0amV0YmpMaE1TLVJRckNvTHE0ZUN2NkFpNmhzendSckkxc05LczVieGlaemgxbVhUOWJ4LUNlSUF6VFhHUDBKbEJIRlFFNnVIZFE?oc=5) · philadelphiafed.org
- 2019-07-01 [Embrace these alternate ways to collect national bank notes - Coin World](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOa3QtakpVSFJaVnFCMjNfcUFXRDRwaDE3N3hEOVd2RzRBQk9jcGRWSzRvMTY4UXVyOGVBUnRkbUhSMEF2M3NPNGJ0U3lUQTE4enJBX3k3c3I5WVRocUQwc3EtaHctRjUzVUFPcGpyVkJiNkk3OW9iYUVaMnpKM0RrRDdfenVFR0VLRGtDYS05MG52N2lKZWlSSElOYWdxUTZRNEd3ME00UEczYU0?oc=5) · Coin World
- 2025-10-06 [Milton "Milt" Clark Jr. Obituary (2025) - Elmer, NJ - Adams Funeral Home - South Jersey Cremation Services - Elmer - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNLVhOS3BqeGN6MnpKd2pDbllON1RKSnVKRjAwX2F6bEV5MkRRZjVNR3lkWGFqaDhqLVFhWElFbExtMlFfZDBzeUlDMTB1REtRM0RDbVhwQmJfbHNFMVphWTJMQWN6ejRCNzFBbmN0cnJ1M0t5UENpT0dhZ21NRElQQw?oc=5) · Legacy obituary
- 2014-01-16 [Elmer, Pittsgrove bank bandits charged with robberies from 2012, 2013 - NJ.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOT0dYWHhpS0ZrNEdGc08zbFZxQjVvQVlISVA2bXJVeGNtQ0hnZVZnNkJldDctZ1dmb0hGWUNBaU9NR0YzMEpqYVBSdlNTQlI3dENpY042NTBrdl9RczhQMUhKMXQ4UWJWY1JrRk1NZm1WdXJ3d3djVlU2VW40UXVROHBPOVFzbVVZX0pBN2FpUTRKdjdQZVVjSnRSd0NOTkJCMUhhTGh1UQ?oc=5) · NJ.com
- 2025-01-13 [Philadelphia Fed Announces New Members, New Deputy Chair of its Board of Directors - philadelphiafed.org](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNZGtTYnFGOVRsZ2taaGdFTnFrS1dERU4yYlJna1piQy1GSnlNbW9ScGk4VWlpbGxtYmw3R180THYwWkVIQ093WFhBUnUxeWpZZlpCM3lpWUZ5WTd1aVNoX0dNMkktbmxaYkx5WF95TGNOMlctM1JnMmQyb21uN3FTeUpXYjZKN3FqRU1tU3hPNDZ5V2U2aHBPcmZJbUNMNzlBTnRZTjFid245MmZEaEpVWVVYWGtORlNRMkdlbHRpYTlHQWtpVi1RRQ?oc=5) · philadelphiafed.org
- 2023-12-24 [Bessie Jones Obituary (2023) - Williamstown, NJ - Farnelli Funeral Home - Williamstown - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNTWJmcjB4QTA0NUZpY1R3NkRCbV8wMnBlSThQRzl3N1hRaktXTXkxSUlpMnlJeS12MW1Rc3VfWHlUd0EwSHdZRWZrRjVhcmw4Z0Y3Qms1QTlYZDYwcE9aOWlDdmYxN2E2WUhyTXlVTnJPTXJocnNLU0FzN3p4ZVJaTA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6464 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "6464", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide