1st Bank of Sea Isle City: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 66.8% in Q2 2026, from $18.5M to $30.8M. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, 1st Bank of Sea Isle City is 23rd of 49 on loan-to-deposit ratio, 95.28% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. 1st Bank of Sea Isle City sits 14.44 points higher, at 95.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $30.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $55.0M |
| Fed funds sold and reverse repos | $500K |
| Fed funds sold and reverse repos to assets | 0.16% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $17.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.46% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.28% |
| Net loans and leases to deposits | 94.74% |
| Loans and leases to core deposits | 113.06% |
| Core deposits to total deposits | 84.27% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.09% | 98.29% | $0 | $33.0M |
| Q4 2023 | 104.11% | 96.62% | $0 | $43.0M |
| Q1 2024 | 110.39% | 97.26% | $0 | $51.0M |
| Q2 2024 | 109.04% | 97.30% | $0 | $49.0M |
| Q3 2024 | 108.36% | 95.78% | $0 | $42.0M |
| Q4 2024 | 107.23% | 94.98% | $0 | $39.0M |
| Q1 2025 | 106.75% | 92.05% | $0 | $44.0M |
| Q2 2025 | 107.80% | 90.82% | $0 | $40.0M |
| Q3 2025 | 101.40% | 86.51% | $0 | $25.0M |
| Q4 2025 | 102.53% | 86.42% | $0 | $22.0M |
| Q1 2026 | 101.52% | 85.35% | $0 | $21.0M |
| Q2 2026 | 95.28% | 84.27% | $0 | $17.0M |
1st Bank of Sea Isle City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank of Sea Isle City, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Bank of Sea Isle City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30367) · FFIEC NIC profile (RSSD 148470)