1st Bank of Sea Isle City: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.57 percentage points higher than in Q1 2026, at 419.33%. 1st Bank of Sea Isle City ranks 39th of 49 New Jersey banks on return on assets, in the lower half at 0.25% (Q2 2026). 1st Bank of Sea Isle City's return on assets of 0.25% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.01 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.48% |
| Tier 1 risk-based capital ratio | 16.48% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.05% |
| Allowance for credit losses to loans | 0.57% |
| Reserve coverage of non-performing loans | 419.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 2.56% |
| Net interest margin | 3.51% |
| Efficiency ratio | 90.51% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.28% |
| Core deposits to total deposits | 84.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.73% |
| Securities to assets | 7.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.89% | 15.89% | 16.71% | 9.51% | 0.19% |
| Q4 2023 | 16.36% | 16.36% | 17.11% | 9.65% | 0.22% |
| Q1 2024 | 16.01% | 16.01% | 16.77% | 9.63% | -0.23% |
| Q2 2024 | 15.74% | 15.74% | 16.48% | 9.52% | -0.14% |
| Q3 2024 | 15.74% | 15.74% | 16.50% | 9.56% | 0.01% |
| Q4 2024 | 15.57% | 15.57% | 16.32% | 9.53% | 0.01% |
| Q1 2025 | 15.59% | 15.59% | 16.34% | 9.68% | -0.01% |
| Q2 2025 | 15.90% | 15.90% | 16.67% | 9.61% | 0.04% |
| Q3 2025 | 15.65% | 15.65% | 16.45% | 9.52% | 0.04% |
| Q4 2025 | 16.06% | 16.06% | 16.84% | 9.60% | 0.18% |
| Q1 2026 | 15.92% | 15.92% | 16.68% | 9.72% | 0.07% |
| Q2 2026 | 16.48% | 16.48% | 17.27% | 9.72% | 0.25% |
1st Bank of Sea Isle City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank of Sea Isle City, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)