Total Assets
$301M
Total balance-sheet footings
FDIC Cert #30367 · Sea Isle City, New Jersey · Est. 1882
1st Bank of Sea Isle City - FDIC Bank Health Profile
A community-scale look at 1st Bank of Sea Isle City's own numbers, pulled straight from its quarterly FDIC Call Report.
- $301M
- Total assets
- B
- Health grade · Good
- 0.06%
- Return on assets
- 16.1%
- Tier 1 capital
Data updated July 2026
The verdict
1st Bank of Sea Isle City earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.06% Tier 1, 0.06% ROA, 97% efficiency ratio.
- #2,484
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 16.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How 1st Bank of Sea Isle City's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
1st Bank of Sea Isle City's composite health score
Tier 1 Capital Ratio (16.06%) 40/40
Return on Assets (ROA) (0.06%) 7/25
Texas Ratio (0.47%) 20/20
Efficiency Ratio (97.46%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$237M
Customer-funded liabilities
Net Loans
$242M
Outstanding loan book
Net Income
$185K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where 1st Bank of Sea Isle City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Bank of Sea Isle City's score of 67/100 falls in the highlighted band.
1st Bank of Sea Isle City's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Bank of Sea Isle City's $301M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.06%
Texas Ratio
0.47%
Equity Capital
$30M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.06%
Return on Equity (ROE)
0.63%
Efficiency Ratio
97.46%
What the numbers say about 1st Bank of Sea Isle City
1st Bank of Sea Isle City is an FDIC-insured institution (Certificate #30367) headquartered in Sea Isle City, New Jersey, established in 1882. It holds $301M in total assets - 2,484th of 4,313 FDIC-insured banks, $237M in customer deposits, and $242M in net loans. On safety, its Tier 1 capital ratio of 16.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.47% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Jersey, 1st Bank of Sea Isle City ranks 43rd of 51 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$412K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Bank of Sea Isle City reports a Texas Ratio of 0.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Bank of Sea Isle City (FDIC Cert #30367) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is 1st Bank of Sea Isle City's health grade?▼
1st Bank of Sea Isle City receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is 1st Bank of Sea Isle City?▼
1st Bank of Sea Isle City holds $301M in total assets and $237M in deposits, ranking 2,484th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sea Isle City, New Jersey.
Is my money safe at 1st Bank of Sea Isle City?▼
Yes, deposits at 1st Bank of Sea Isle City (Certificate #30367) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is 1st Bank of Sea Isle City's Tier 1 Capital Ratio?▼
1st Bank of Sea Isle City has a Tier 1 Capital Ratio of 16.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for 1st Bank of Sea Isle City?▼
1st Bank of Sea Isle City has a Texas Ratio of 0.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is 1st Bank of Sea Isle City?▼
1st Bank of Sea Isle City has an Efficiency Ratio of 97.46%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read 1st Bank of Sea Isle City's profile as a depositor or analyst.
- 1st Bank of Sea Isle City's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 1st Bank of Sea Isle City against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.