1st Bank of Sea Isle City: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Cost of interest-bearing deposits edged up by 0.15 percentage points, from 1.62% to 1.77%, the largest move among the key lines here. Within New Jersey, 1st Bank of Sea Isle City is 18th of 49 on net interest margin, 3.51% as of Q2 2026, above the middle of the field. 1st Bank of Sea Isle City reported 3.51% on net interest margin for Q2 2026, 0.44 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 5.29% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $983K |
| Interest expense on deposits | $801K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.32% | 1.00% | 3.41% | 4.63% | 2.06% |
| Q4 2023 | 4.37% | 1.27% | 3.17% | 4.61% | 2.01% |
| Q1 2024 | 4.34% | 1.52% | 2.93% | 4.64% | 1.86% |
| Q2 2024 | 4.44% | 1.55% | 3.00% | 4.79% | 1.86% |
| Q3 2024 | 4.67% | 1.61% | 3.24% | 5.07% | 1.88% |
| Q4 2024 | 4.65% | 1.53% | 3.22% | 5.04% | 1.92% |
| Q1 2025 | 4.68% | 1.67% | 3.15% | 5.08% | 1.79% |
| Q2 2025 | 4.74% | 1.68% | 3.24% | 5.14% | 1.79% |
| Q3 2025 | 4.88% | 1.56% | 3.44% | 5.21% | 2.42% |
| Q4 2025 | 4.83% | 1.44% | 3.52% | 5.24% | 1.95% |
| Q1 2026 | 4.85% | 1.46% | 3.49% | 5.23% | 1.99% |
| Q2 2026 | 4.88% | 1.48% | 3.51% | 5.29% | 2.06% |
1st Bank of Sea Isle City yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Bank of Sea Isle City, freeSource: Call Report Schedules RI and RC-K, 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)