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
Unfavorable gap of $9.3M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.72% | 1.06% | 1.45% | Beats 6% | 702 / 746 | | |
| Return on Equity | 1.65% | 6.74% | 10.51% | 13.63% | Beats 7% | 694 / 746 | | |
| Net Interest Margin | 3.24% | 3.17% | 3.68% | 4.16% | Beats 27% | 541 / 746 | | |
| Efficiency Ratio | 94.15% | 55.74% | 64.58% | 75.47% | Beats 5% | 711 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.48% | 11.55% | 13.75% | 17.60% | Beats 70% | 224 / 746 | | |
| Total Risk-Based Capital Ratio | 17.27% | 11.71% | 14.33% | 18.43% | Beats 71% | 220 / 746 | | |
| Equity / Assets | 9.57% | 8.90% | 10.51% | 13.06% | Beats 35% | 487 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.28% | 61.31% | 78.27% | 90.78% | 85th pctl | 114 / 746 | | |
| Loans / Assets | 76.93% | 53.60% | 66.97% | 76.08% | 78th pctl | 165 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |