Bank Comparison
1st Bank of Sea Isle City vs Franklin Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| CET1 Ratio | 15.92% | 17.39% |
| Tier 1 Capital Ratio | 15.92% | 17.39% |
| Total Capital Ratio | 16.68% | 18.35% |
| Tier 1 Leverage Ratio | 9.72% | 10.11% |
| Equity / Assets | 9.79% | 8.93% |
Profitability
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| Return on Assets (ROA) | 0.07% | 0.55% |
| Return on Equity (ROE) | 0.76% | 6.19% |
| Net Interest Margin (NIM) | 3.49% | 3.58% |
| Yield on Earning Assets | 4.85% | 4.38% |
| Cost of Funds | 1.48% | 0.85% |
Asset quality
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| Texas Ratio | 1.63% | 1.74% |
| Non-Performing Loan Ratio | 0.15% | 0.26% |
| Non-Performing Asset Ratio | 0.12% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 0.56% | 0.86% |
Balance sheet
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| Total Assets | $302,255K | $337,448K |
| Total Deposits | $239,132K | $305,076K |
| Total Loans | $242,777K | $211,028K |
| Total Equity | $29,579K | $30,124K |
| Net Income (quarter) | $56 | $463 |
Liquidity & funding
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.52% | 69.17% |
| Core Deposit Ratio | 85.35% | 96.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| Headquarters City | SEA ISLE CITY | PILESGROVE |
| Headquarters State | NJ | NJ |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 8 |
| Employees (FTE) | 49 | 69 |
| Established | Jan. 1, 1882, midnight | Jan. 1, 1861, 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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