# 1ST CONSTITUTION BANK
CRANBURY, NJ · FDIC certificate 27552 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.90B | |
| Deposits | $1.66B | |
| Loans and leases | $1.13B | |
| Total equity | $220.0M | |
| Loans / deposits | 67.11% (p36 of band) | 73.47% |
| Liquid assets / assets | 35.36% (p59 of band) | |
| Uninsured deposits / deposits | 25.81% (p30 of band) | 33.32% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.83% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.75% (p56 of band) | 9.53% |
| Unrealized securities loss / equity | 0.66% (p76 of band) | -0.38% |
| AOCI / equity | -1.26% (p57 of band) | |
| ROA (annualized) | 1.12% (p41 of band) | 1.21% |
| Net interest margin | 3.46% (p67 of band) | 3.23% |
| Efficiency ratio | 57.96% (p40 of band) | |
| Noncurrent loans | 1.04% (p86 of band) | 0.34% |
| Net charge-offs (annualized) | 0.06% (p80 of band) | |
| Reserve coverage of noncurrent | 142.46% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 51.20% (p58 of band) | |
| Auto loans | $634,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 179 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-06 | 3 | capital falling, charge-offs p90 |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 |  | assets shrinking |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, construction >100% equity |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 | reserve under noncurrent | construction >100% equity |
| 2018-09 | 1 | construction >100% equity | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | construction >100% equity |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-07-12 [Lakeland Bank to acquire 1st constitution, become fifth-largest bank headquartered in N.J. - ROI-NJ](https://news.google.com/rss/articles/CBMiywFBVV95cUxPMXlLZzV1UGlBY1R2ZGJsQktVMG55M1NLY2ZrYmFlTXZMb3hOYl9JazZHamxaY1RwWnFHTXRYNWxKaGx5NGt0akJXZVh2dmRncUNreGdfMnZSaVBocTlJUW1aWjVBWERiNXdnZ01saURxVTJDZ1I1NkZGaUtLY1poVzgtMEVXOUVlMWlTM0JEemxWSFVEcFp5MzFSQjQtbV92ek1GblpqbElhWXA2MXNiYnZCVjQ5NkljRUFUNVJVSzIzSzFublV3Tk1MNA?oc=5) · ROI-NJ
- 2023-01-27 [New Jersey losing banks - Asbury Park Press](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcGhZVXY3U3lmN3N4RU5Lb3BEU21TSHZQQk1tNHhrUmJPMzdSbnVJR3REeExQZWIydWVHS3IydWVqczNOZEloQ0ZwMkxDRm94bXl6Qy1ydUxHZFJlYmhTY2NGX1pxWndxeERlWncxYlJQRkJ2RnlJYVpvZWlmTlQxRlJacUVLNWJPRWNBV2M0SFY5ZGV4YWw1TlpjRkVSTnh3Q0pSOG40dWR4WG9Fdmxr?oc=5) · Asbury Park Press
- 2022-01-06 [Lakeland Bancorp Completes Merger with 1st Constitution Bancorp - citybiz](https://news.google.com/rss/articles/CBMipAFBVV95cUxORmliMFlwUGhEeGt6LUl5LVJwckxOZWRsb2VGSllhQW1ENlh2QmtIMW5vdlFZSE5wQUs1ZkhrZElfQXIxaXZ0QUVOMnJjVk9KRjJIX05MUzIzdkI4WFBUaW9RUThBWi1ORmRLRk40cFl4ejJsMi00U3pGNV9rQlJYd0FlUmVfR1pBbmIyTkRDMjdBTjFrUDJJdFk1MVlaTVBwRXpLVw?oc=5) · citybiz
- 2016-04-10 [Executive Moves Who hired whom this week - NJBIZ](https://news.google.com/rss/articles/CBMib0FVX3lxTE0taldhUlFTVVBrYURhb25WVEU1cjBnc0JEbW1HUl8xOWkzRXdpVHdJZUlJX3B2SW4zelpmTmdNY2hNQW1qN2l3YThtR242TXp3WDd2WnJxRDk4aFpKbEZiLVlUVnlsVzFoRzF3UDh1bw?oc=5) · NJBIZ
- 2013-11-02 [1st Constitution Bancorp releases 3rd quarter earnings - NJ.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQaGdhc0tBZVpuWVZjT2ZCUmc3MEF2V1hkNjh6Y00wbThiRG1aTkdVbzlHa2xUczBYZkg1NERlcnROaXZEdU9xQm1yekpDUzVLODR3dkFVNHVyQm5rMmZtdFlyT2dDOS1QRUZla051Z0hiMkNJY0dnemFBQWhYbTlSX2Q1UTlsNWhFZzlmQXpIRXhYVXlZallQcQ?oc=5) · NJ.com
- 2022-01-06 [Lakeland Bancorp, Inc. Completes Merger with 1st Constitution Bancorp - GlobeNewswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOMW00dC1fZ2FLazBncXdOTGczUTZtN25zQ1I1ZVdTQV9PWkI2UDlqZ2RoaHhFZUNkYjBxVWRzbHE4eklZeHF0NUpYSEk4Q09QODZOTlJvcWJVOHZmRzNfYXlZdW5FY29QMFBreHREbjVxLWE3Mk4zeDM2OGR6VUVjMTdhUDZlLU5MSXoyRDNpajI3YVJybUNmYlQtUDdPQ3hGNzBHcFk4ekJSVlVBUWdTeG1NY3dHZVJFYjRLbFFEeEthdU81c3RYTnFhYTRDS3I3cjhLVjZKTEpMVkk?oc=5) · GlobeNewswire
- 2019-06-25 [1st Constitution Bank to acquire Shore Community Bank for $53.1M - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWG13RklvdC1TTHhCMy1ONU5qaDNPWVJtNWk4ZHUtSklWU1ZId2czM3RvSGhSX1R2OFBOa2ttdS1adk9hbUZQR1VlRUlXbDVzVGFmOWFOMHB0am5sRVVmenFiQUs0RWFFWDZ2Nld4cWE4dHZIREtFNlVWaDhBRloxd19iOEU4eVprRkdudk9mNTg3Z2NTOXpXZHZCLWx4TFpsd3ZJQzRBU0RFZw?oc=5) · ROI-NJ
- 2026-03-16 [New Jersey Dealer Arrested for $7 Million Check Fraud - F&I and Showroom](https://news.google.com/rss/articles/CBMijgFBVV95cUxPa3phMGZsMEU1Znk2Z2dwVmZnaGpiM1hOVF84WVZNTnc2QXVHeGVqdkZjOGE2alZhcnJDeEt0WmU2TUh6d3BmRlEzeFUxX2FXNk5KZTlBeE9WSVE2R0xLcXJkV0xpd0MteV9HZklOcVBRcnM2R0hIemtfQnprRTBvOHNfeG1hb2NmRko3ZDdR?oc=5) · F&I and Showroom

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27552 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "27552", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide