BlastPoint's Banking Scorecard

1st Bank of Sea Isle City

$100M-$1B Specialty: Mortgage NJ FDIC cert 30367

Sea Isle City, NJ

3 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ

1st Bank of Sea Isle City has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.8% in tier
- Credit Quality Pressure: Bottom 10.5% in tier
- Liquidity Strain: Bottom 34.8% in tier
- Return on Assets 1.19% below tier average
- Efficiency Ratio 32.35% above tier average
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.44% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$302.3M -2.7% YoY +0.4% QoQ	-$83.8M	$386.1M +0.5% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$241.4M +0.8% YoY -0.2% QoQ	-$14.3M	$255.7M +1.1% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$239.1M +6.0% YoY +0.8% QoQ	-$88.8M	$328.0M +0.1% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	0.07% +913.4% YoY +22.3% QoQ	-1.19%	1.27% +12.9% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Bottom 4.2% in tier
Net Interest Margin ?	3.49% +10.9% YoY +3.5% QoQ	-0.44%	3.93% +6.0% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	97.64% -3.8% YoY +0.2% QoQ	+32.35%	65.29% -4.5% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	Bottom 3.0% in tier
Delinquency Rate ?	0.06% +0.2% QoQ	-0.83%	0.89% +18.8% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	100.95% -4.9% YoY -1.0% QoQ	+24.31%	76.64% +0.8% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Bottom 7.6% in tier
Non-Interest-Bearing Deposit Share ?	25.30% -17.2% YoY +0.3% QoQ	+3.28%	22.02% -1.0% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.05% -38.0% YoY -0.4% QoQ	-0.59%	0.64% +19.7% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	15.92% +2.1% YoY -0.9% QoQ	+0.09%	15.83% +1.5% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.02% -56.2% YoY -88.9% QoQ	-0.26%	0.28% +9.3% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Bottom 2.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#18 of 664 • Top 2.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#9 of 973 • Bottom 0.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#139 of 1308 • Bottom 10.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#225 of 643 • Bottom 34.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 100.95%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

582

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#582 of 2664 Top 21.8% in $100M-$1B

581

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#581 of 2654 Top 21.9% in $100M-$1B

Top Weaknesses (4 metrics)

2592

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2592 of 2664 Bottom 2.7% in $100M-$1B

2586

Efficiency Ratio

profitability

Value: 97.64%

Peer Median: 65.29%

#2586 of 2664 Bottom 3.0% in $100M-$1B

2552

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.27%

#2552 of 2664 Bottom 4.2% in $100M-$1B

2462

Loan-to-Deposit Ratio

liquidity

Value: 100.95%

Peer Median: 76.64%

#2462 of 2664 Bottom 7.6% in $100M-$1B