# 1ST COLONIAL COMMUNITY BANK
COLLINGSWOOD, NJ · FDIC certificate 35456 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $881.8M | |
| Deposits | $792.1M | |
| Loans and leases | $621.6M | |
| Total equity | $84.8M | |
| Loans / deposits | 77.39% (p41 of band) | 81.53% |
| Liquid assets / assets | 26.29% (p53 of band) | |
| Uninsured deposits / deposits | 53.32% (p96 of band) | 25.77% |
| Brokered deposits | 8.57% | |
| Wholesale funding | 8.57% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p34 of band) | 10.58% |
| Unrealized securities loss / equity | -2.35% (p74 of band) | -7.83% |
| AOCI / equity | 1.99% (p29 of band) | |
| ROA (annualized) | 1.12% (p46 of band) | 1.16% |
| Net interest margin | 3.38% (p31 of band) | 3.74% |
| Efficiency ratio | 63.60% (p53 of band) | |
| Noncurrent loans | 0.90% (p72 of band) | 0.37% |
| Net charge-offs (annualized) | 0.03% (p63 of band) | |
| Reserve coverage of noncurrent | 153.25% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 29.39% (p35 of band) | |
| Auto loans | $52,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 1 |  | capital falling, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits >50% |  |
| 2014-12 | 3 | leverage <7% |  |
| 2015-03 | 4 | construction >100% equity |  |
| 2015-06 | 5 | brokered >10% |  |
| 2015-09 | 3 |  | capital falling, brokered >10% |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | uninsured deposits >50% |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | uninsured deposits >50% | leverage <7% |
| 2017-12 | 0 |  | construction >100% equity, uninsured deposits >50% |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 2 | uninsured deposits >50% |  |
| 2018-09 | 1 |  | construction >100% equity |
| 2018-12 | 0 |  | uninsured deposits >50% |
| 2019-03 | 2 | uninsured deposits >50%, charge-offs p90 |  |
| 2019-06 | 1 |  | uninsured deposits >50% |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 4 | capital falling, reserve under noncurrent |  |
| 2020-06 | 3 |  | reserve under noncurrent |
| 2020-09 | 3 | reserve under noncurrent | capital falling |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | uninsured deposits >50% |
| 2021-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2021-12 | 1 |  | run vulnerability |
| 2022-03 | 2 | run vulnerability |  |
| 2022-06 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2022-09 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | wholesale funding >15% |  |
| 2023-06 | 0 |  | uninsured deposits >50%, run vulnerability, wholesale funding >15% |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2024-03 | 2 | brokered >10% | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | uninsured deposits >50%, run vulnerability | wholesale funding >15% |
| 2024-12 | 1 |  | brokered >10%, run vulnerability |
| 2025-03 | 1 | brokered >10% | uninsured deposits >50% |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | brokered >10% |
| 2025-12 | 2 | uninsured deposits >50%, capital falling |  |

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

- 2026-03-02 [Mid Penn Bancorp, Inc. Completes Acquisition of 1st Colonial Bancorp, Inc. - Business Wire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPR2ZEb3JqbWVQVVhhajFlS0dFYmlCbHMzMlY0SEFFVi1GanFfNExnVUxvQlZvS3hSbllESS00UExUTkNGbmJwbkQ0cUJ5Nk5XZi1LV09xMFpER29wZWNmZ1hkRmpxQWk0cVlsQVFPeG81VUp4Ym1LYm9HRXgtSDlBNDRSMFBKSUVzaDl6ck9zTHlidUdOa2pmY1pSVWZaVVN0aVJERUF1Skh1eXVPd29fQmE5OVRBdy03aTU1QmtNc0lUczVHWTJUTQ?oc=5) · Business Wire
- 2026-08-21 [Randy Wolfe to Lead Mid Penn Bank’s Retail, Commercial Banking Efforts in South-Central New Jersey - BUCKSCO.Today](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOFlEZ01MVTBiRUliNi1GTC1DRjdHVFFvN2N1WENoSEhZQkk4dGNXVWhzVm5OWlNWb3lieC1mMGZSTHBfXzJuUTJIZDZnZmZqOGZxNzF5T0VZektHa191cXdjczF4RS1Rak5Qa0dwM0tOWVBMNjhHUWhrbGtMUG1NQVduV0xfc0E?oc=5) · BUCKSCO.Today
- 2025-09-29 [Mid Penn to buy NJ bank, Florida investment firm - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxPOHl4SUE2Nm5HWnd5QnRESDJKRDB3WWo0QlEtSEFjd1YzbzVzSkRQVjM2M1NBcDBOdjlDUFRuNTZOVjNiQlpneEt2NndmeXAzRlZJUTloSTVNTTVscFpvdzExblpGNWNvYld3VUlWWF9zaDJadk4xejcyZHVIZ0ZTTXJEYkI0S0pfeTB5QmJqX2lUYTlNUkhYWDl2MWJBcEs2bTVEdnZ2SjZMaHA2Wmc?oc=5) · Banking Dive
- 2025-09-25 [Norcross-backed Mid Penn Bancorp agrees to buy Mount Laurel-based 1st Colonial Bancorp - Courier-Post](https://news.google.com/rss/articles/CBMigAJBVV95cUxPT3FpQ05mdU83UkxBSEZiVk1MVEJCcEhuSHphYW9SMkR6ODNOTWVqWDdOQTFRZnJSQm5OQ1hfQ19TUmJZUTJkcGpvU1YzaUdDOFBvTkZ4Q1NqRTVleVptOXlGeHh6ejNEQ2NldGk5SHMtRHBhVmtqdlRzNzJRMFhmSWZUMHZiT2R4aWM2SnZSZV9PTzN3ODVtM0FzdDZYQl9XRWZTV3h0TVpmeFgzemYxXzFuRmF4c09QbUxCOXpsYTBwLXJXTnJxNTJoMm5BX1RybWhFazg1Yy04RG9TWmplQWlVeEpQVGJRMHpXd1Z0dDF4YUVINGkzR2RZeVo0X21k?oc=5) · Courier-Post
- 2026-02-06 [Mid Penn Bancorp, Inc. and 1st Colonial Bancorp, Inc. Receive Regulatory Approvals for Merger - Business Wire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPNlZuX3ZFbTVhTG1Ba2MwRkdTd29hdklhSG50MFVleldWbFVxMEdmLXRMbXAyM2NJeTVvcXdNY09Qb2dLQU5Wa1p2T3ZRRllJYVhzcUg0cjliTXFQTW9tM0pSeE1xRXctMFlfTVpZbHFCWDFTam82OG5OQ1B1bFZJWm9KNUNjaUVYamNEVjhVeWJoZUZCZEtzVmdFaHlsWGJxQjVaZENGNkF6SldBT3JNVlRVZVlEUldSME0tS25yMjJpbEphbmVidnNYSFZIa3NjTzZjY3R6QmpqejJ4bjlIanBn?oc=5) · Business Wire
- 2021-10-30 [1st Colonial Community Bank expands into Limerick [Banking] - pottsmerc.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZnFwUmdfTmtoVFVVMG9sZzBhSzRSeG5KSFhJTnozcnpkVXhGS3NWdkRFSGp1RTdFS3pWeGhDR2JQQjdiNXpEOWROaXBMT1R6UUFxMTZ1eVRUcExjcGhsa1YwdExnTlZGdHZrcXdwNTdIN1hNTks2MFhpQWRMRWZIRzZfdG9UOFRveDNOX3U3dFNFeHVLZnRyZnJBNWpDSjg5cFBSYkwzbEpadw?oc=5) · pottsmerc.com
- 2012-11-01 [1st Colonial National Bank Becomes 1st Colonial Community Bank - CNBC](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQzlNNTB6Y0lhX1ZGYUZrb1RZRmxNdVF2bjFNd01LcmRjcF8tdy1RQ3hqUkUwSVF2UjR0bW9UZlllZk4taFZWcDZTQ29mUlJkelM2eXFyOG9DUmZtcDQwM0hNZUNOMnlhM2JIUHBEN3BfX0pOeGlQQU1QLVByLUN3czJEMFlMNjVaTm1WOXdmOWxqaGhueGlwVngxQmUtalFH0gGmAUFVX3lxTE00U1RYX0daZ2pGOHNTUEJJclJnRDh3S3hJclhfWmlSSTUxaThHTEJ1UTJCdTdoR2tZVWRzYkF6MmVRRzVGVEROMGxsc2JrV29kLVlUc2QwN3BEUHp4TWZ6TkFxeVctYkp2MmRwZWpDQzBRZlEtSU5zbEZ1b19pLWFTeEFZTXN1b1gyd2ZBa1owNm9uSDh0dWNpNTRkNklZS3R4d0FwbWc?oc=5) · CNBC
- 2025-09-24 [Mid Penn Bancorp, Inc. Announces Agreement to Acquire 1st Colonial Bancorp, Inc. - Business Wire](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORzAwcGdLMXNMTXpXQVE3NUdKQmExRDZidml6a1Q5UTJWOXdVSUlnakh4RnZydHlkR21RX2VqMTZHV1J5SHRhRWhVUlFGRExEUEJWeE1pRUtVZGFBUTBJZS1YVlMyang0LUw3ZHRrd3VoLVNDTU81cGZyeWZSVHNGcXByTS1TZ0NHdmExSDJNNFByUV9NREV5M3k4RnZoYllBTjM3WFRwRVZtM09vX2d2WElzY1JQUzBpRnZlMWFfZ0hzcHFkUndvWU5xd05IcGhm?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35456 (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/0.json (key "35456", 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.

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