1st Bank of Sea Isle City: how it compares with its peers
Against 11 NJ banks with half to twice its assets, 1st Bank of Sea Isle City's strongest measure in Q2 2026 is net interest margin (3.50% vs. a 3.10% peer median). Its weakest relative measure is return on assets (0.16% vs. 0.48%).
| Measure | 1st Bank of Sea Isle City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.16% | 0.48% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.50% | 3.10% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 94.15% | 75.89% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.9M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.74% | 75.46% | Context |
What it means for lending operations
Its efficiency ratio of 94.15% is above the 75.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Franklin Bank Pilesgrove, NJ · $334M
- The Pennsville National Bank Pennsville, NJ · $282M
- United Roosevelt Savings Bank Carteret, NJ · $381M
- Ascendia Bank Glen Rock, NJ · $395M
- The First National Bank of Elmer Elmer, NJ · $408M
- Lusitania Savings Bank Newark, NJ · $418M
Questions about 1st Bank of Sea Isle City
How big is 1st Bank of Sea Isle City?
1st Bank of Sea Isle City, established in 1882, is headquartered in Sea Isle City, NJ. It reported $311M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is 1st Bank of Sea Isle City's return on assets?
0.16% annualized in Q2 2026, against a 0.48% median for 11 NJ banks with half to twice its assets, ahead of 9% of them.
What is 1st Bank of Sea Isle City's efficiency ratio?
94.15% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 75.89%, and lower is better.
Is 1st Bank of Sea Isle City growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 12.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NJ banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.