1st Bank of Sea Isle City: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 17.47 percentage points in Q2 2026, from 71.00% to 53.54%. 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. 1st Bank of Sea Isle City reported 95.28% on loan-to-deposit ratio for Q2 2026, 14.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $239.3M |
| Net loans and leases | $238.0M |
| Loans held for sale | $0 |
| Loans to total assets | 76.93% |
| Loan-to-deposit ratio | 95.28% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.18% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.93% |
| Construction concentration (Tier 1 capital + allowance) | 53.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.29% |
| Interest income on loans | $3.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $232.6M | $237.1M | 8.59% | 0.20% | 0.14% |
| Q4 2023 | $230.4M | $221.3M | 9.01% | 0.22% | 0.12% |
| Q1 2024 | $235.8M | $213.6M | 9.42% | 0.21% | 0.11% |
| Q2 2024 | $237.1M | $217.5M | 9.34% | 0.20% | 0.10% |
| Q3 2024 | $237.7M | $219.4M | 9.67% | 0.20% | 0.10% |
| Q4 2024 | $239.1M | $223.0M | 9.50% | 0.23% | 0.08% |
| Q1 2025 | $240.8M | $225.6M | 9.77% | 0.30% | 0.07% |
| Q2 2025 | $240.0M | $222.6M | 9.71% | 0.27% | 0.06% |
| Q3 2025 | $242.1M | $238.8M | 9.36% | 0.28% | 0.06% |
| Q4 2025 | $243.2M | $237.2M | 10.76% | 0.20% | 0.06% |
| Q1 2026 | $242.8M | $239.1M | 10.83% | 0.16% | 0.05% |
| Q2 2026 | $239.3M | $251.2M | 11.10% | 0.18% | 0.05% |
1st Bank of Sea Isle City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank of Sea Isle City, freeSource: Call Report Schedule RC-C, 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)