This institution is no longer active

Operations ceased on January 6, 2022. CRA examination history below reflects the period it was active.

1ST CONSTITUTION BANK

CRANBURY, NJ · Supervised by FDIC

Est. 1989FDIC #27,552RSSD: FDIC-27552

Part of1ST CONSTITUTION BCORP→ View all charters

Satisfactory Same

Current rating · Exam: November 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.12%

Is this bank safe?

1ST CONSTITUTION BANK holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.12%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

2650 Route 130, CRANBURY, NJ

County

Middlesex County

Established

July 24, 1989

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2019

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2021Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.7B

Net Loans

$1.1B

Net Income

$21M

ROA

1.12%

Above avg for Community banks. Peer avg: 0.90%

ROE

9.65%

Risk-Based Capital

14.45%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.12%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.45%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate2.55%Peer avg: 10.20%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	901	85.68%	2.55%
2020	1,245	90.28%	1.61%
2019	613	79.45%	3.92%
2018	449	70.6%	5.35%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2019	Satisfactory	Intermediate Small Bank
Nov 2016	Satisfactory	Intermediate Small Bank
Oct 2013	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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