The First National Bank of Absecon
Total assets
$195.0M
▼ -0.5% YoY
Deposits
$175.8M
▼ -1.3% YoY
Loans
$121.1M
▼ -0.9% YoY
Offices
4
ABSECON BCORP
ROA (annualized)
0.81%
peers 1.24%
ROE (annualized)
8.78%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.4% | -4.9 pts |
| Deposit growth (YoY) | -1.3% | +4.0% | -5.2 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 0.81% | 1.24% | -0.4 pts |
| ROE | 8.8% | 11.9% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- ABSECON BCORP
- Specialization
- All Other Under 1 Billion
- Address
- 106 New Jersey Ave, Absecon, NJ, 08201
- County
- Atlantic
- Metro area
- Atlantic City-Hammonton, NJ
- Offices
- 4
- FDIC cert #
- 6442
- RSSD ID
- 188917
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.0M | $175.8M | $121.1M | $18.0M | $793K | 0.81% | 4.02% | 0.04% |
| Q1 2026 | $194.0M | $174.7M | $124.5M | $18.1M | $374K | 0.77% | 4.01% | 0.04% |
| Q4 2025 | $197.1M | $177.5M | $125.0M | $18.2M | $1.6M | 0.82% | 3.92% | 0.05% |
| Q3 2025 | $194.2M | $175.5M | $119.4M | $17.3M | $766K | 0.52% | 3.90% | 0.05% |
| Q2 2025 | $195.9M | $178.1M | $122.2M | $16.8M | $655K | 0.67% | 3.82% | 0.05% |
| Q1 2025 | $195.8M | $178.4M | $119.8M | $16.4M | $284K | 0.58% | 3.73% | 0.06% |
| Q4 2024 | $194.5M | $177.3M | $117.4M | $16.0M | $1.2M | 0.62% | 3.90% | 0.06% |
| Q3 2024 | $181.6M | $164.5M | $108.1M | $15.8M | $824K | 0.60% | 3.88% | 0.07% |
Loan mix (Q2 2026): real estate $116.5M · commercial $5.7M · consumer $78K · securities $38.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 62.9% | 80th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Astra BankScandia, KS · $423.3M
- River City BankRome, GA · $423.4M
- Heritage Bank of the OzarksLebanon, MO · $424.0M
- First State BankBuxton, ND · $424.2M
- Sugar River BankNewport, NH · $424.3M
- Centinel Bank of TaosTaos, NM · $424.8M
Selling to The First National Bank of Absecon?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.