The First National Bank of Elmer

Headquarters: Elmer, New Jersey
Charter: Bank
Assets: $407.8M
Fed district: Philadelphia
Regulator: OCC
Holding company: Elmer Bancorp Inc.

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for The First National Bank of Elmer at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The First National Bank of Elmer's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank of Elmer (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $94K in Q2 2026, about level with the same quarter a year earlier ($94K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $37, its standard fee, the highest of its prices
The First National Bank of Elmer: $35 to $37
The First National Bank of Elmer: $35 to $37
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
The First National Bank of Elmer: $1 to $2
The First National Bank of Elmer: $1 to $2
U.S. median: no median
Wire Transfer (Domestic Out)
The First National Bank of Elmer: $30
The First National Bank of Elmer: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $94K.

Service-charge income, Q2 2026

$94K

$94KQ3 2025

$103KQ4 2025

$92KQ1 2026

$94KQ2 2026

Against the median

The First National Bank of ElmerMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The First National Bank of Elmer · $408M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$397M to $418M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The First National Bank of Elmer(this institution)	Elmer, NJ	$408M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Community Bank	Petersburg, IL	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Frankewing	Frankewing, TN	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bank of Lexington, Inc.	Lexington, KY	$411M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of St. Francisville	Saint Francisville, LA	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of the Bluegrass and Trust Company	Lexington, KY	$407M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Zachary	Zachary, LA	$416M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Big Horn Federal Savings Bank	Greybull, WY	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank of South Carolina	Holly Hill, SC	$414M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Lockhart Bank	Lockhart, TX	$416M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First State Bank	Irvington, KY	$402M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Vision Bank of Tennessee	Tullahoma, TN	$414M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fleetwood Bank	Fleetwood, PA	$416M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FORTE BANK	Hartford, WI	$404M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Founders Bank	Washington, DC	$406M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
GreenWay Bank	Van Wert, OH	$402M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank & Trust	Columbia, TN	$418M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
MA Bank	Macon, MO	$417M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pike National Bank	Mccomb, MS	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pony Express Bank	Braymer, MO	$399M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sentry Bank	Saint Joseph, MN	$415M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
State Bank & Trust	Winfield, AL	$413M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Citizens National Bank of Park Rapids	Park Rapids, MN	$397M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Grant County Bank	Petersburg, WV	$407M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Security National Bank of Enid	Enid, OK	$400M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

The First National Bank of Elmer does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Monthly maintenance fee in dollars, one mark per institution

The First National Bank of Elmer does not publish a monthly maintenance fee, so it is not on this chart.

The First National Bank o…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The First National Bank of Elmer (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $94K
vs prior quarter: +$2K+2.2%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$2K−2.1%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The First National Bank of Elmer (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$94K	+$2K	+2.2%
Q1 2026	$92K	−$11K	−10.7%
Q4 2025	$103K	+$9K	+9.6%
Q3 2025	$94K	$0	0.0%
Q2 2025	$94K	−$5K	−5.1%
Q1 2025	$99K	+$3K	+3.1%
Q4 2024	$96K	$0	0.0%
Q3 2024	$96K	+$13K	+15.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The First National Bank of Elmer’s own schedules, with a source for each figure.

Account Maintenance

Monthly minimum balance fee$10
per month
Monthly minimum balance fee$2
per month
Research/Reconcilement (per hour—$15.00 minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements requested$3
per item

Overdraft & NSF

Insufficient Funds Charge (per paid item)$37
Online Bill Pay Additional Overdraft Fee$35
Overdraft Protection Transfer fee (per item)$12
per item

ATM & Card

ATM Foreign Transaction Fee$1
PLUS ATM Transaction Fee$2
Replacement ATM Card$5
Replacement VISA Debit Card$5

Wire Transfers

Wire Transfer—Outgoing (domestic)$30
Wire Transfer—Outgoing (foreign)$50
Wire Transfer—Incoming (domestic & foreign)$15

Check Services

Cashier’s Check$10
Online Bill Pay Stop Payment Fee$35
Stop Payment$30
Counter Checks (3 checks)$1
Collection Items (plus 3rd party fee)$35
Online Bill Pay Cancelled Check Copy$12

Digital & Electronic

Online Bill Pay (per month)No charge
per month

Cash & Deposit

Returned Deposit Item$15

Account Services

Safe Deposit Box—Drilling$150
Not compared: Box drilling or key fee
Safe Deposit Box—Lost Key -$10
Not compared: Box drilling or key fee
Levy & Lien Processing -$150

Retirement & IRA

IRA Transfer/Premature Distribution$25

Other Fees

Fax Copy$5
Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Monthly minimum balance fee	$10	per month	None
Monthly minimum balance fee	$2	per month	None
Research/Reconcilement (per hour—$15.00 minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements requested	$3	per item	None
Overdraft & NSF
Insufficient Funds Charge (per paid item)	$37	Not stated	None
Online Bill Pay Additional Overdraft Fee	$35	Not stated	None
Overdraft Protection Transfer fee (per item)	$12	per item	None
ATM & Card
ATM Foreign Transaction Fee	$1	Not stated	None
PLUS ATM Transaction Fee	$2	Not stated	None
Replacement ATM Card	$5	Not stated	None
Replacement VISA Debit Card	$5	Not stated	None
Wire Transfers
Wire Transfer—Outgoing (domestic)	$30	Not stated	None
Wire Transfer—Outgoing (foreign)	$50	Not stated	None
Wire Transfer—Incoming (domestic & foreign)	$15	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Online Bill Pay Stop Payment Fee	$35	Not stated	None
Stop Payment	$30	Not stated	None
Counter Checks (3 checks)	$1	Not stated	None
Collection Items (plus 3rd party fee)	$35	Not stated	None
Online Bill Pay Cancelled Check Copy	$12	Not stated	None
Digital & Electronic
Online Bill Pay (per month)	No charge	per month	None
Cash & Deposit
Returned Deposit Item	$15	Not stated	None
Account Services
Safe Deposit Box—Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box—Lost Key -	$10Not compared: Box drilling or key fee	Not stated	None
Levy & Lien Processing -	$150	Not stated	None
Retirement & IRA
IRA Transfer/Premature Distribution	$25	Not stated	None
Other Fees
Fax Copy	$5	Not stated	None
Photocopy	$1	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where The First National Bank of Elmer operates, and what regulators and customers have on file.

Market position

In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, The First National Bank of Elmer holds 0% of bank deposits, #45 of 88, with 5 offices.

Compare fees with the 100 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD banks and credit unions in its home-metro peer set →

Offices in the metro

899 offices of 28 institutions shown.

The First National Bank of ElmerOther banksCredit unions

Showing 899 of 1,635 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 36 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Capital One, National Association45.7%
2TD Bank, National Association13.4%
3Barclays Bank Delaware5.2%
4Wells Fargo Bank, National Association5.1%
5PNC Bank, National Association4.5%
6TD Bank USA, National Association4.0%
7Bank of America, National Association3.7%
8Citizens Bank, National Association3.4%
45The First National Bank of Elmer0.0%

9 of 88 institutions shown. $685.1B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro (FDIC metro code 37980)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0% share, 5 offices, #45 of 88

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

309 offices of 89 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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