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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.87% | 2.91% | 2.96% | 2.99% | 3.03% | 3.10% | 3.23% | 3.24% | +25 bps | |
| Efficiency Ratio | 106.15% | 104.68% | 101.53% | 100.23% | 98.96% | 97.46% | 97.64% | 94.15% | -608 bps | |
| Non-Interest Burden | 3.06% | 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 / Loans | 0.22% | 0.00% | 0.00% | 0.04% | 0.04% | 0.06% | 0.06% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.57% | 0.57% | 0.56% | 0.57% | 0.60% | 0.57% | 0.56% | 0.57% | 0 bps | |
| Allowance Coverage of NPLs | 2.6x | n/a | n/a | 15.2x | 16.2x | 9.5x | 9.4x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.53% | 9.68% | 9.61% | 9.52% | 9.60% | 9.72% | 9.72% | +10 bps | |
| Total Risk-Based Capital | 16.50% | 16.32% | 16.34% | 16.67% | 16.45% | 16.84% | 16.68% | 17.27% | +60 bps | |
| Equity / Assets | 9.70% | 9.68% | 9.43% | 9.67% | 9.63% | 9.81% | 9.79% | 9.57% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.36% | 107.23% | 106.75% | 107.80% | 101.40% | 102.53% | 101.52% | 95.28% | -1,251 bps | |
| Liquid Assets / Assets | 14.30% | 14.21% | 15.67% | 13.86% | 13.98% | 12.63% | 13.19% | 16.44% | +258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 179.13% | 153.31% | 163.20% | n/a | n/a | |