Sea Isle City, NJ · Cert 30367 · Sea Isle Financial Corp. MHC
SI · FDIC · 3 branches
Q2 2026
Market Position · Atlantic City-Hammonton, NJ · 2026 SOD (annual) · 2.2% share · #10 of 16 inst. · $0.3B of $11.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.02% | 0.06% | 0.07% | 0.16% | +15 bps | |
| Return on Equity | 0.14% | 0.21% | 0.63% | 0.76% | 1.66% | +152 bps | |
| Net Interest Margin | 2.99% | 3.03% | 3.10% | 3.23% | 3.24% | +25 bps | |
| Efficiency Ratio | 100.23% | 98.96% | 97.46% | 97.64% | 94.15% | -608 bps | |
| Non-Interest Burden | 3.00% | 3.00% | 3.02% | 3.15% | 3.04% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | 1.14% | -0.58% | -2.70% | 2.48% | +358 bps | |
| Loan Growth (YoY) | 1.21% | 1.84% | 1.69% | 0.82% | -0.27% | -148 bps | |
| Deposit Growth (YoY) | 2.37% | 8.84% | 6.35% | 6.01% | 12.83% | +1,046 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.06% | 0.06% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.57% | 0.60% | 0.57% | 0.56% | 0.57% | 0 bps | |
| Allowance Coverage of NPLs | 15.2x | 16.2x | 9.5x | 9.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.52% | 9.60% | 9.72% | 9.72% | +10 bps | |
| Total Risk-Based Capital | 16.67% | 16.45% | 16.84% | 16.68% | 17.27% | +60 bps | |
| Equity / Assets | 9.67% | 9.63% | 9.81% | 9.79% | 9.57% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.80% | 101.40% | 102.53% | 101.52% | 95.28% | -1,251 bps | |
| Liquid Assets / Assets | 13.86% | 13.98% | 12.63% | 13.19% | 16.44% | +258 bps | |
| CRE / Total Capital | n/a | 179.13% | 153.31% | 163.20% | n/a | n/a | |