FDIC Cert #35456 · Collingswood, New Jersey · Est. 2000

1st Colonial Community Bank - FDIC Bank Health Profile

A community-scale look at 1st Colonial Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$882M
Total assets
A
Health grade · Excellent
1.12%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

1st Colonial Community Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 15.82% Tier 1, profitable at 1.12% ROA, 64% efficiency ratio.

#1,167
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
15.82%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35456 · NJ A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1427/4307
  • PHOTO-FINISH Synergy Bank · LA
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Synergy Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Colonial Community Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Colonial Communi… · NJ ·…84/100Angelina Savings Ban… · TX ·…84/100Preferred Bank · CA · near84/100Shelby Savings Bank,… · TX ·…84/100Synergy Bank · LA · near84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Colonial Community Bank · July 2026

What 1st Colonial Community Bank's Call Report plate shows

1st Colonial Community Bank (FDIC Cert #35456) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,427 of 4,307. Tier 1 capital prints at 15.82%, clearing the 10% well-capitalized line. The Texas Ratio is 6.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $882M, 1,167th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Synergy Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Colonial Community Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

1st Colonial Community Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; 1st Colonial Community Bank remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How 1st Colonial Community Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
1st Colonial Community Bank's composite health score
Tier 1 Capital Ratio (15.82%) 40/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (6.02%) 16/20
Efficiency Ratio (63.60%) 8/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$882M

Total balance-sheet footings

Total Deposits

$792M

Customer-funded liabilities

Net Loans

$613M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.42% 15.82% 17.22%
Basel III capital ratios - 1st Colonial Community Bank

Where 1st Colonial Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Colonial Community Bank's score of 84/100 falls in the highlighted band.

1st Colonial Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. 1st Colonial Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

1st Colonial Community Bank'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 Colonial Community Bank's $882M falls in the highlighted band.

Safety ratios for 1st Colonial Community Bank

Tier 1 capital ratio
Well-capitalized 10%

15.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.82%
Texas Ratio
6.02%
Equity Capital
$85M

What these ratios mean →

Earnings posture at 1st Colonial Community Bank

Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
11.14%
Efficiency Ratio
63.60%

What these mean →

Income & expense at 1st Colonial Community Bank

$44M
Interest Income
$6M
Non-Interest Income
$21M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Colonial Community Bank reports a Texas Ratio of 6.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View 1st Colonial Community Bank on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($882M here), outside New Jersey so the neighborhood is not state containment.

First Bank $882M · AK Affinity Bank $881M · GA Plains State Bank $882M · TX Stone Bank $883M · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Colonial Community Bank (FDIC Cert #35456) - 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.

1st Colonial Community Bank Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
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%