BlastPoint

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 25 in NJ.
  • Deposits +12.8% year over year ($251.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.16%.
  • Efficiency ratio 94.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 25 in NJ
View $100M-$1B leaderboard (NJ) →

1st Bank of Sea Isle City has 2 strengths but faces 5 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.0% in tier
  • - Liquidity Overhang: Bottom 33.2% in tier
  • - Return on Assets 1.16% below tier average
  • - Efficiency Ratio 29.68% above tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when 1st Bank of Sea Isle City releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $311.1M
+2.5% YoY +2.9% QoQ
-$75.4M $386.6M
+1.2% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $238.0M
-0.3% YoY -1.4% QoQ
-$20.4M $258.3M
+1.7% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $251.2M
+12.8% YoY +5.0% QoQ
-$75.5M $326.7M
+0.7% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.16%
+117.3% QoQ
-1.16% 1.32%
+10.8% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Bottom 4.9% in tier
Net Interest Margin ? 3.50%
+8.7% YoY +0.2% QoQ
-0.49% 3.99%
+5.0% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 94.15%
-6.1% YoY -3.6% QoQ
+29.68% 64.48%
-3.2% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
Bottom 3.5% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 94.74%
-11.6% YoY -6.2% QoQ
+16.79% 77.95%
+1.0% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
17%
Non-Interest-Bearing Deposit Share ? 26.82%
-10.2% YoY +6.0% QoQ
+4.79% 22.03%
-0.6% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.48%
+3.6% YoY +3.5% QoQ
+0.57% 15.91%
+1.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.08%
+14.9% YoY +432.2% QoQ
-0.49% 0.57%
+7.6% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Bottom 13.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 26.8%
-3.1pp YoY
+1.5pp QoQ
 +4.7pp 22.1% 16.6% 22.2% 72%
Brokered Deposits n/a n/a 7.9% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 0.2%
-0.1pp YoY
0.0pp QoQ
 -11.4pp 11.6% 6.5% 12.5% 1%
CRE n/a n/a 39.5% 56.3% 41.4% n/a
1-4 Family 82.2%
+2.4pp YoY
+1.8pp QoQ
 +49.6pp 32.6% 39.4% 31.3% 97%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.3% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 16.5%
+0.6pp YoY
+0.6pp QoQ
 -2.3pp 18.8% 18.8% 19.7% 61%
Leverage Ratio 9.7%
+0.1pp YoY
0.0pp QoQ
 -2.5pp 12.2% 13.4% 12.6% 25%
Total Capital Ratio 17.3%
+0.6pp YoY
+0.6pp QoQ
 -2.7pp 19.9% 19.8% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 49
+2 (+4.3%) YoY
0 QoQ
 -10 58 336 482 52%
Assets per Employee ($) $6.3M
-1.7% YoY
+2.9% QoQ
 -$1.2M $7.5M $11.2M $8.8M 40%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.57x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 1.7%
+1.5pp YoY
+0.9pp QoQ
 -10.5pp 12.2% 6.4% 11.6% 6%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.9% 1.7% 28%
Net Income ($, YTD) $246,000
+1130.0% YoY
— QoQ
 -$2.3M $2.6M $19.8M $40.4M 6%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#84 of 691 • Bottom 12.0% 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: 94.74%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#247 of 742 • Bottom 33.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.48%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 94.74%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2551
Efficiency Ratio
profitability
Value: 94.15%
Peer Median: 64.48%
#2551 of 2643 Bottom 3.5% in $100M-$1B
2514
Return on Assets
profitability
Value: 0.16%
Peer Median: 1.32%
#2514 of 2643 Bottom 4.9% in $100M-$1B
2291
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2291 of 2643 Bottom 13.4% in $100M-$1B
2202
Loan-to-Deposit Ratio
liquidity
Value: 94.74%
Peer Median: 77.95%
#2202 of 2643 Bottom 16.7% in $100M-$1B
Powered by BlastPoint © 2026