Bank · FDIC insured
1st Bank of Sea Isle City
A $311.1M bank headquartered in Sea Isle City, NJ, with 3 branches in New Jersey. Best rates: CDs 3.50% and savings 0.75% APY.
1st Bank of Sea Isle City Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#9 of 16 in Atlantic City, NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st Bank of Sea Isle City
1st Bank of Sea Isle City was formed in 1888 as Sea Isle Building and Loan to promote home-ownership among area residents.
It merged to become First Savings and Loan in 1958, converted to a federal charter in 1998, and shortened its name to 1st Bank of Sea Isle City in 1999.
Operating three branches and a loan center in Cape May County, New Jersey, the bank serves as a housing lender.
- Headquarters
- 4301 Landis Ave, Sea Isle City, NJ 08243
- FDIC certificate
- 30367 ↗
Branches
3 branches in New Jersey
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New Jersey
3 branches
- 1st Bank of Sea Isle CityMain office4301 Landis Ave, Sea Isle City, NJ 08243Directions
- Swainton Branch1615 Route 9 N, Cape May Court House, NJ 08210Directions
- 2072 Shore Rd Branch2072 S. Shore Road, Seaville, NJ 08230Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.72% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.16% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio9.72%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.16%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st Bank of Sea Isle City are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.