1ST BANK OF SEA ISLE CITY

SEA ISLE CITY, NJ | Small | Est. Jan. 1, 1882, midnight | FDIC #30367 | RSSD #148470 | FDIC
Latest Report: 2025-12-31

1ST BANK OF SEA ISLE CITY is asn small FDIC-insured commercial bank headquartered in SEA ISLE CITY, NJ, established in Jan. 1, 1882, midnight. As of 2025-12-31, the bank reported total assets of $301M and total deposits of $237M. Profitability stands at 0.18% ROA and 1.87% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 16.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #30367.

Assets

$301M

Deposits

$237M

Loans

$243M

Equity

$30M

Profitability

Return on Assets (ROA) 0.18%
Return on Equity (ROE) 1.87%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.00%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.57%

Capital & Liquidity

CET1 Ratio 16.06%
Tier 1 Capital 16.06%
Total Capital Ratio 16.84%
Leverage Ratio 9.60%
Loan-to-Deposit 102.53%

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