BlastPoint's Banking Scorecard
1st Bank of Sea Isle City
Micro
Specialty: Mortgage
NJ
FDIC cert 30367
Designations: ✓ Community bank
Sea Isle City, NJ
2498
banks in Micro tier nationally
14 in NJ
View Micro leaderboard (NJ) →
1st Bank of Sea Isle City has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.42% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.02% below tier
- - Efficiency Ratio 29.73% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.9M
-0.6% YoY
-1.4% QoQ
|
+$83.4M |
$217.5M
+2.3% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$241.8M
+1.7% YoY
+0.5% QoQ
|
+$102.6M |
$139.2M
+2.8% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$237.2M
+6.4% YoY
-0.7% QoQ
|
+$53.5M |
$183.7M
+1.8% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.06%
+167.6% YoY
+196.1% QoQ
|
-1.02% |
1.08%
+14.7% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.37%
+6.3% YoY
+2.3% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
97.46%
-6.9% YoY
-1.5% QoQ
|
+29.73% |
67.73%
-4.8% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.06%
+61.5% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
101.94%
-4.4% YoY
+1.1% QoQ
|
+27.42% |
74.53%
+0.5% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.22%
-8.8% YoY
-10.9% QoQ
|
+2.83% |
22.39%
-1.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.05%
-39.3% YoY
+64.5% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
16.06%
+3.2% YoY
+2.6% QoQ
|
+7.21% |
8.85%
-3.4% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.14%
-8.3% YoY
+47.6% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.94%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.46%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.94% · Tier avg: 74.53%
83
83th pctile
Total Loans
Current: $241.8M · Tier avg: $139.2M
76
76th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 8.85%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Total Assets
Current: $300.9M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.22% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.46% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 97.46% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.22% · Tier avg: 22.39%
68
68th pctile
Total Deposits
Current: $237.2M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $300.9M · Tier avg: $217.5M
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
76
76th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 8.85%
83
83th pctile
Total Loans
Current: $241.8M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.94% · Tier avg: 74.53%