First Bank (FDIC #58481): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #58481): bank stress 68/100, elevated, STABLE over 7 days.

First Bank (#58481) lends in 14 counties across 3 states; First Bank (#58481) reaches 530 ZIP codes: New Jersey 10 counties, 334 ZIPs; Pennsylvania 3 counties, 143 ZIPs; Florida 1 county, 53 ZIPs.

First Bank (#58481) largest markets: Bucks County, PA (180 branches, 60 ZIPs) (#58481), Morris County, NJ (116 branches, 58 ZIPs) (#58481), Palm Beach County, FL (53 branches, 53 ZIPs) (#58481), Monmouth County, NJ (52 branches, 52 ZIPs) (#58481), Chester County, PA (230 branches, 46 ZIPs) (#58481), Delaware County, PA (45 branches, 45 ZIPs) (#58481).

First Bank (#58481) reports $4.09 billion in total assets; First Bank (#58481) equity $453.2 million (11.1% of First Bank (#58481) assets); First Bank (#58481) domestic deposits $3.32 billion; First Bank (#58481) net income $18.5 million; First Bank (#58481) return on assets 0.92%; First Bank (#58481) return on equity 8.25%; First Bank (#58481) net interest income $68.8 million; First Bank (#58481) call report June 30, 2026.

First Bank (#58481) noncurrent real-estate loans: none reported; First Bank (#58481) net charge-offs on real estate 0.79%; First Bank (#58481) residential charge-offs 1.04%.

First Bank (#58481) net interest margin 3.70% against an eight-quarter First Bank (#58481) average of 3.69% (First Bank (#58481) compression -0.01 points); First Bank (#58481) real-estate loans 0.3% of equity; First Bank (#58481) non-residential real estate 103.8% of equity; First Bank (#58481) rate-exposure score 40/100, First Bank (#58481) fixed-rate trap 40/100; First Bank (#58481) risk type credit driven; First Bank (#58481) rate regime rates elevated, First Bank (#58481) snapshot October 19, 2026.

First Bank (#58481) stress score moved from 68.8 on June 22, 2026 to 68.2 on October 19, 2026; First Bank (#58481) ranged 68.2 to 68.8 over 116 snapshots.

First Bank (#58481) alerts: 14 counties; top First Bank (#58481) alert scores: Somerset County, NJ 42 (moderate); Fairfield County, NJ 24 (low); Flemington County, NJ 24 (low); Media County, NJ 24 (low); Monroe Township County, NJ 24 (low).