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1St Bank Of Sea Isle City
Sea Isle City, NJ · FDIC Certificate #30367 · Chartered 01/0
Total assets
$311.14M
Total deposits
$251.20M
Total equity
$29.79M
Net loans
$237.98M
Branches (offices)
3
Net income (YTD)
$246.00K
Rank: #2,414 of 4,213 U.S. banks by assets · #41 of 49 in New Jersey. Assets changed 2.5% and deposits 12.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.16% |
| Return on equity | 1.66% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 9.57% |
| Tier 1 leverage ratio | 9.72% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 100.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $238.85M | 100.4% | |
| Commercial & industrial | $434.00K | 0.2% | |
| Consumer / individual | $116.00K | 0.0% | |
| Construction & development | $16.66M | 7.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $333.07M | $294.73M | $214.00K | $28.14M |
| Jun 2023 | $312.98M | $243.86M | $435.00K | $29.24M |
| Jun 2024 | $306.97M | $217.49M | -$287.00K | $29.28M |
| Jun 2025 | $303.60M | $222.64M | $20.00K | $29.36M |
| Jun 2026 | $311.14M | $251.20M | $246.00K | $29.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $251.20M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $251.20M.
Similar-sized banks
Horatio State Bank ($311.50M) · Community Bank ($310.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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