1st Bank of Sea Isle City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Bank of Sea Isle City of Sea Isle City, NJ against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.25% | 1.35% | -1.10% | 7th bottom |
| ROAE | 2.56% | 13.33% | -10.77% | 8th bottom |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 28th below |
| Efficiency Ratio | 90.51% | 61.12% | +29.39% | 6th bottom |
| PPNR / Avg Assets | 0.32% | 1.68% | -1.36% | 6th bottom |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 71st above |
| Net Interest Spread | 2.92% | 3.32% | -0.40% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.57% | 1.28% | -0.71% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 419.33% | 1546.49% | -1127.16% | 67th above |
| Texas Ratio | 1.05% | 7.34% | -6.29% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.48% | 19.49% | -3.01% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.48% | 19.52% | -3.04% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.27% | 20.61% | -3.34% | 58th above |
| Leverage Ratio | 9.72% | 12.14% | -2.42% | 26th below |
| Equity / Assets | 9.57% | 11.37% | -1.80% | 37th below |
| TCE / Tangible Assets | 9.57% | 11.08% | -1.51% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.28% | 80.66% | +14.62% | 18th bottom |
| Core Deposit Ratio | 84.27% | 86.85% | -2.58% | 28th below |
| Wholesale Funding Ratio | 5.46% | 5.04% | +0.42% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.48% | 6.84% | -4.36% | 36th below |
| Loan Growth (Y/Y) | -0.27% | 7.92% | -8.19% | 22nd bottom |
| Deposit Growth (Y/Y) | 12.83% | 6.29% | +6.54% | 88th top |
See 1st Bank of Sea Isle City's peers by name
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Unlock 1st Bank of Sea Isle City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 1st Bank of Sea Isle City profile, how to read a UBPR, or how this data updates.