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This institution is no longer active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

Adequate

ROA 1.12%

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%

ROE

9.65%

Risk-Based Capital

14.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate2.55%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202190185.68%2.55%
20201,24590.28%1.61%
201961379.45%3.92%
201844970.6%5.35%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating 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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