Bank Comparison
1st Bank of Sea Isle City vs Classic City Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 15
winning metrics across 19 comparable rows
Capital adequacy
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| CET1 Ratio | 15.92% | — |
| Tier 1 Capital Ratio | 15.92% | — |
| Total Capital Ratio | 16.68% | — |
| Tier 1 Leverage Ratio | 9.72% | 11.20% |
| Equity / Assets | 9.79% | 10.81% |
Profitability
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| Return on Assets (ROA) | 0.07% | 2.14% |
| Return on Equity (ROE) | 0.76% | 19.46% |
| Net Interest Margin (NIM) | 3.49% | 4.80% |
| Yield on Earning Assets | 4.85% | 5.64% |
| Cost of Funds | 1.48% | 0.90% |
Asset quality
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| Texas Ratio | 1.63% | 0.00% |
| Non-Performing Loan Ratio | 0.15% | 0.00% |
| Non-Performing Asset Ratio | 0.12% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.56% | 1.06% |
Balance sheet
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| Total Assets | $302,255K | $302,028K |
| Total Deposits | $239,132K | $266,754K |
| Total Loans | $242,777K | $190,844K |
| Total Equity | $29,579K | $32,650K |
| Net Income (quarter) | $56 | $1,559K |
Liquidity & funding
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.52% | 71.54% |
| Core Deposit Ratio | 85.35% | 93.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | 1st Bank of Sea Isle City | Classic City Bank |
|---|---|---|
| Headquarters City | SEA ISLE CITY | ATHENS |
| Headquarters State | NJ | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 49 | 20 |
| Established | Jan. 1, 1882, midnight | Nov. 9, 2020, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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