1st Bank of Sea Isle City
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Data as of · sourced from FFIEC call reports. How we update
1st Bank of Sea Isle City is an FDIC-insured savings bank headquartered in Sea Isle City, NJ, supervised by the FDIC, with $311.1M in total assets at Q2 2026, up 2.5% from Q2 2025, the 41st largest of 49 banks headquartered in New Jersey. It was established in 1882 and holds FDIC certificate 30367. Its CET1 capital ratio was 16.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30367
- Headquarters
- Sea Isle City, NJ
- Established
- 1882
- Total assets, Q2 2026
- $311.1M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 16.48%
- Domestic offices
- 3 · 1st Bank of Sea Isle City branches FDIC institution directory, current count
- Routing number
- 231271242
- Safety and soundness
- Is 1st Bank of Sea Isle City safe?
- Latest call report
- Q2 2026, FFIEC 051 · 1st Bank of Sea Isle City call report
- Holding company
- 1ST CAPITAL HOLDING CORP.
- Asset rank in state
- 41st of 49 in New Jersey
1st Bank of Sea Isle City spends more to run itself than most banks of its size. It reported $311 million in assets at June 30, 2026, up 2.5% from a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 0.3% and deposits rose 12.8%.
As of June 30, 2026, 1st Bank of Sea Isle City reported a CET1 capital ratio of 16.48%, a return on assets of 0.25%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
1st Bank of Sea Isle City ranks as the 41st largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $311.1M, loans fell 1.4% and deposits rose 5.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 81.7% of total loans, ahead of owner-occupied commercial real estate loans at 8.6%. Its 3 offices in the FDIC Summary of Deposits are in Sea Isle City, NJ, Seaville, NJ and Cape May Court House, NJ; its Sea Isle City office books 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, 1st Bank of Sea Isle City meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4301 Landis Ave, Sea Isle City, NJ 08243
- County
- Cape May
- Metro Area
- Atlantic City-Hammonton, NJ
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Former names
- First Bank of Sea Isle City (1998-2000)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $251.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $306.3M
- Average total loans
- $241.9M
- Average interest-bearing deposits
- $183.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30367
- Fed RSSD
- 148470
- Website
- www.1stbankseaisle.com →
- Parent Holding Company
- 1ST CAPITAL HOLDING CORP. (RSSD 3836899)
- Ultimate Parent
- SEA ISLE FINANCIAL CORP, MHC (RSSD 3848427)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1st Bank of Sea Isle City's total assets ranged from $300.9M (Q4 2025) to $311.1M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$311.1M total assets against $303.6M; $281.4M total liabilities against $274.2M.
$238.0M net loans and leases against $238.6M; $251.2M total deposits against $222.6M.
$24.1M securities against $26.9M; $30.8M cash and balances due against $19.0M.
$3.5M total interest income against $3.4M; $983K total interest expense against $1.1M.
$2.5M net interest income against $2.3M.
$206K total noninterest income against $106K; $2.5M total noninterest expense against $2.4M.
$0 provision for credit losses against $11K.
$190K net income against $27K.
0.25% return on assets against 0.04%; 3.51% net interest margin against 3.24%.
16.48% CET1 capital ratio against 15.90%; 9.72% tier 1 leverage ratio against 9.61%.
Inside the full 1st Bank of Sea Isle City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, free1st Bank of Sea Isle City rankings
Its closest position to the top of a national ranking is 646 of 2,134, for CET1 ratio; its furthest is 3,481 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.01% (Q1 2025) to 0.25% (Q2 2026) and its net interest margin ran from 3.15% (Q1 2025) to 3.52% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.48% | 0.25% | 0.00% | 0.00% | 3.51% |
| Q1 2026 | 15.92% | 0.07% | 0.06% | 0.47% | 3.49% |
| Q4 2025 | 16.06% | 0.18% | 0.06% | 0.47% | 3.52% |
| Q3 2025 | 15.65% | 0.04% | 0.04% | 0.29% | 3.44% |
| Q2 2025 | 15.90% | 0.04% | 0.04% | 0.29% | 3.24% |
| Q1 2025 | 15.59% | -0.01% | 0.00% | 0.79% | 3.15% |
| Q4 2024 | 15.57% | 0.01% | 0.00% | 0.79% | 3.22% |
| Q3 2024 | 15.74% | 0.01% | 0.22% | 2.50% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st Bank of Sea Isle City (main office) | Sea Isle City , NJ | 08243 | $129.6M |
| 2072 Shore Rd Branch | Seaville , NJ | 08230 | $80.3M |
| Swainton Branch | Cape May Court House , NJ | 08210 | $41.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action December 20, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NJ, rank 66 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 47 loans originated, $30.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 1st Bank of Sea Isle City
What are 1st Bank of Sea Isle City's total assets?
As of the Q2 2026 filing, 1st Bank of Sea Isle City reported total assets of $311.1 million in its FFIEC call report.
Where is 1st Bank of Sea Isle City headquartered?
It is headquartered in Sea Isle City, NJ, United States.
When was 1st Bank of Sea Isle City founded?
It was established in 1882, per the FDIC institution directory.
Is 1st Bank of Sea Isle City FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Bank of Sea Isle City?
1st Bank of Sea Isle City's primary federal regulator is the FDIC.
What is 1st Bank of Sea Isle City's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 1st Bank of Sea Isle City operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Bank of Sea Isle City's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was 1st Bank of Sea Isle City previously called?
The charter now named 1st Bank of Sea Isle City has also operated as First Bank of Sea Isle City (1998-2000), per FDIC structure-change records.
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