TellerScore

1st Bank of Sea Isle City is a si headquartered in Sea Isle City, New Jersey, in business for about 144 years. At the end of Q2 2026 it reported $311.1M in total assets and $251.2M in deposits, with 3 offices.

1st Bank of Sea Isle City has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 31st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (26/100, 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.72%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 94.7% · 27.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (60 → 62), mostly because the earnings component improved by 5 points.

TellerScore
555962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202456
Q4 202458
Q1 202560
Q2 202560
Q3 202560
Q4 202560
Q1 202660
Q2 202662
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.52%
Q3 20249.56%
Q4 20249.53%
Q1 20259.68%
Q2 20259.61%
Q3 20259.52%
Q4 20259.60%
Q1 20269.72%
Q2 20269.72%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.22%
Q4 20240.00%
Q1 20250.00%
Q2 20250.04%
Q3 20250.04%
Q4 20250.06%
Q1 20260.06%
Q2 20260.00%
Return on assets
-0.19%-0.01%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.19%
Q3 2024-0.12%
Q4 2024-0.09%
Q1 2025-0.01%
Q2 20250.01%
Q3 20250.02%
Q4 20250.06%
Q1 20260.07%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$311.1M9.72%0.00%0.16%94.7%
Q1 202660$302.3M9.72%0.06%0.07%101.0%
Q4 202560$300.9M9.60%0.06%0.06%101.9%
Q3 202560$305.2M9.52%0.04%0.02%100.8%
Q2 202560$303.6M9.61%0.04%0.01%107.2%
Q1 202560$310.6M9.68%0.00%-0.01%106.1%
Q4 202458$302.7M9.53%0.00%-0.09%106.6%
Q3 202456$301.8M9.56%0.22%-0.12%107.7%
Q2 202455$307.0M9.52%0.22%-0.19%108.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.72%
25th
Total risk-based capital17.27%
79th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.16%
5th
Net interest margin3.50%
28th
Efficiency ratio94.2%
4th
Loans to deposits94.7%
17th
Uninsured deposits27.8%
35th
Loan-loss reserves0.57%
4th
Texas ratio0.0%
95th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Franklin BankBank Pilesgrove, NJ72 out of 100, Strong$334.1M10.3%0.15%vs
The Pennsville National BankBank Pennsville, NJ66 out of 100, Moderate$281.8M10.2%1.41%vs
United Roosevelt Savings BankBank Carteret, NJ57 out of 100, Moderate$381.2M9.1%0.03%vs
Ascendia BankBank Glen Rock, NJ62 out of 100, Moderate$395.3M9.3%0.13%vs
The First National Bank of ElmerBank Elmer, NJ58 out of 100, Moderate$407.8M10.0%1.14%vs
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs

Deposit insurance

Is my money safe at 1st Bank of Sea Isle City?

Yes. 1st Bank of Sea Isle City is an FDIC-insured institution (FDIC certificate #30367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($69.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.27% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

1st Bank of Sea Isle City lists 3 offices in 3 cities. Most locations:

  • Cape May Court House, NJ (1)
  • Sea Isle City, NJ (1)
  • Seaville, NJ (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 1st Bank of Sea Isle City reported 54 home-loan applications under HMDA (LEI 2549004X2N6JAS9Z3C97): 47 originated ($30,475,000 total), 4 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
1st Bank of Sea Isle City
Former names
First Bank of Sea Isle City; First Savings and Loan Association of Sea Isle City New Jersey
Type
SI
FDIC certificate #
30367
RSSD ID
148470
Primary regulator
FDIC
Holding company
Sea Isle Financial Corp Mhc
Established
January 1, 1882
Headquarters
4301 Landis Ave, Sea Isle City, NJ 08243
Employees
49

Quick answers

1st Bank of Sea Isle City: common questions

Is 1st Bank of Sea Isle City FDIC insured?

Yes. 1st Bank of Sea Isle City is an FDIC-insured institution (FDIC certificate #30367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 1st Bank of Sea Isle City's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 1st Bank of Sea Isle City ever failed?

There is no failure record for FDIC certificate #30367 in the FDIC failed bank list.

How many branches does 1st Bank of Sea Isle City have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sea Isle City

InstitutionScoreAssetsCapitalProblem loansCompare
Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$4.1M25.8%0.82%vs
Parke BankBank Sewell, NJ85 out of 100, Very strong$2.3B15.9%0.27%vs
Millville Savings BankBank Millville, NJ81 out of 100, Strong$169.9M13.6%0.12%vs
Century Savings BankBank Vineland, NJ81 out of 100, Strong$634.8M13.2%0.00%vs
Atlantic City Police Federal Credit UnionCredit union Northfield, NJ78 out of 100, Strong$2.1M21.2%2.02%vs
Jersey Shore Federal Credit UnionCredit union Northfield, NJ73 out of 100, Strong$246.3M9.8%0.29%vs