Side-by-side · Q2 2026 data
1st Bank of Sea Isle City vs Franklin Bank
Metric by metric
| Measure | 1st Bank of Sea Isle City | Franklin Bank |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 47 | 53 (stronger) |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 26 | 47 (stronger) |
| Funding & liquidity | 52 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 22nd | 50th |
| Total assets | $311.1M | $334.1M |
| Deposits / shares | $251.2M | $301.3M |
| Capital ratio | 9.72% | 10.28% (stronger) |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.16% | 0.68% (stronger) |
| Loans ÷ deposits | 94.7% | 70.7% (stronger) |
| Uninsured deposits | 27.8% | 13.7% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | — |
Franklin Bank has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), 1st Bank of Sea Isle City leads on 2 and Franklin Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.