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1st Colonial Community Bank

Collingswood, NJ · Cert 35456 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)

FDIC · 3 branches

Q4 2025

$881.8MAssets
$621.6MLoans
$792.1MDeposits
$84.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 10 of 35).
  • Widest gap: brokered deposits / deposits trails 89% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 32 of 35).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.09%

Rank 13 of 35

Net Interest Margin

3.16%

Rank 18 of 35

Efficiency Ratio

63.60%

Rank 14 of 35

Equity / Assets

9.61%

Rank 24 of 35

Non-interest income vs. expense

$5.5M$21.2MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 63% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 63.60%Peer median 71.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.30%0.84%1.48%Beats 63%13 / 35
Return on Equity11.36%2.99%5.01%11.91%Beats 71%10 / 35
Net Interest Margin3.16%2.81%3.16%3.48%Beats 49%18 / 35
Efficiency Ratio63.60%56.98%71.38%88.17%Beats 63%14 / 35
Asset Quality
Nonperforming Loans / Loans0.90%0.00%0.19%0.90%Beats 26%24 / 31
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.82%12.92%18.93%34.69%Beats 37%22 / 35
Total Risk-Based Capital Ratio17.08%13.83%20.18%35.18%Beats 40%21 / 35
Equity / Assets9.61%9.35%11.63%18.66%Beats 31%24 / 35
Liquidity & Funding
Loans / Deposits78.48%69.97%86.01%99.72%32nd pctl21 / 31
Loans / Assets70.49%61.12%72.08%80.57%42nd pctl18 / 31
Brokered Deposits / Deposits9.54%n/an/a1.37%Beats 11%32 / 35