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1st Bank of Sea Isle City

Sea Isle City, NJ · Cert 30367 · Sea Isle Financial Corp. MHC

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

5

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

1st Bank of Sea Isle City

Sea Isle City, NJ · Cert 30367 · Sea Isle Financial Corp. MHC

SI · FDIC · 3 branches

Q2 2026

$311.1MAssets
$239.3MLoans
$251.2MDeposits
$29.8MEquity
Loan mix
100%RE $242.3M0%C&I $0.4M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $183.8M27%Noninterest $67.4MQ3 2024Q2 2026

Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 2.2% share · #10 of 16 inst. · $0.3B of $11.5B

Executive Summary

  • Earnings: ROA of 0.16%, up 15 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, up 10 bps from a year ago.
  • Funding: loans stand at 95.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.16%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+25 bps YoY

Efficiency Ratio (YTD, annualized)

94.15%-608 bps YoY

Tier 1 Leverage Ratio

9.72%+10 bps YoY

NIM

4.11%Q2 ’244.41%Q2 ’254.51%Q2 ’26+8%+8%

Non-interest income vs. expense

3.20%Q2 ’243.14%Q2 ’253.21%Q2 ’26-2%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.09%-0.01%0.01%0.02%0.06%0.07%0.16%+15 bps
Return on Equity-1.26%-0.93%-0.10%0.14%0.21%0.63%0.76%1.66%+152 bps
Net Interest Margin2.87%2.91%2.96%2.99%3.03%3.10%3.23%3.24%+25 bps
Efficiency Ratio106.15%104.68%101.53%100.23%98.96%97.46%97.64%94.15%-608 bps
Non-Interest Burden3.06%3.05%3.01%3.00%3.00%3.02%3.15%3.04%+5 bps
Growth
Asset Growth (YoY)-2.61%-0.44%1.94%-1.10%1.14%-0.58%-2.70%2.48%+358 bps
Loan Growth (YoY)2.22%3.79%2.12%1.21%1.84%1.69%0.82%-0.27%-148 bps
Deposit Growth (YoY)-7.47%0.77%5.60%2.37%8.84%6.35%6.01%12.83%+1,046 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.00%0.00%0.04%0.04%0.06%0.06%0.00%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.03%0.00%0.00%0 bps
Allowance / Loans0.57%0.57%0.56%0.57%0.60%0.57%0.56%0.57%0 bps
Allowance Coverage of NPLs2.6xn/an/a15.2x16.2x9.5x9.4xn/an/a
Capital
Tier 1 Leverage Ratio9.56%9.53%9.68%9.61%9.52%9.60%9.72%9.72%+10 bps
Total Risk-Based Capital16.50%16.32%16.34%16.67%16.45%16.84%16.68%17.27%+60 bps
Equity / Assets9.70%9.68%9.43%9.67%9.63%9.81%9.79%9.57%-10 bps
Liquidity & Funding
Loans / Deposits108.36%107.23%106.75%107.80%101.40%102.53%101.52%95.28%-1,251 bps
Liquid Assets / Assets14.30%14.21%15.67%13.86%13.98%12.63%13.19%16.44%+258 bps
CRE / Total Capitaln/an/an/an/a179.13%153.31%163.20%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

1st Bank of Sea Isle City

Sea Isle City, NJ · Cert 30367 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Sea Isle Financial Corp. MHC

SI · FDIC · 3 branches

Q2 2026

$311.1MAssets
$239.3MLoans
$251.2MDeposits
$29.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 711 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.16%

Rank 702 of 746

Net Interest Margin

3.24%

Rank 541 of 746

Efficiency Ratio

94.15%

Rank 711 of 746

Equity / Assets

9.57%

Rank 487 of 746

Non-interest income vs. expense

$0.5M$9.8MINCOMEEXPENSE
Unfavorable gap of $9.3M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state
Bank 94.15%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.16%0.72%1.06%1.45%Beats 6%702 / 746
Return on Equity1.65%6.74%10.51%13.63%Beats 7%694 / 746
Net Interest Margin3.24%3.17%3.68%4.16%Beats 27%541 / 746
Efficiency Ratio94.15%55.74%64.58%75.47%Beats 5%711 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio16.48%11.55%13.75%17.60%Beats 70%224 / 746
Total Risk-Based Capital Ratio17.27%11.71%14.33%18.43%Beats 71%220 / 746
Equity / Assets9.57%8.90%10.51%13.06%Beats 35%487 / 746
Liquidity & Funding
Loans / Deposits95.28%61.31%78.27%90.78%85th pctl114 / 746
Loans / Assets76.93%53.60%66.97%76.08%78th pctl165 / 746
Brokered Deposits / Depositsn/aNot reported for this institution