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Overview / Commentary
2650 Route 130
Cranbury, NJ 08512

1st Constitution Bank is headquartered in Cranbury and is the 26th largest bank in the state of New Jersey. It is also the 735th largest bank in the nation. It was established in 1989 and as of December of 2015, it had grown to 176 employees at 19 locations. 1st Constitution Bank's savings rates are 25% higher than the national average, and it has a B+ health rating.

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Reviews (2)

We Have Been Dealing With This Bank For Many Years Without A Problem

Posted by: Anonymous | Feb 19, 2010

We have been dealing with this bank for many years without a problem.  However we recently had a problem with an account and two employees blew us off.  First they told us we were wrong, then later on they admitted that we were correct and they would fix the problem.  They didn't take care of it.  We went to a third employee who we'd known for many years and she said she qould help and eventually she did.

I was very disappointed in not only the lack of expertise of bank "managers" but also the lack of concern over my account.  The fact that the two employees were incorrect was not as bothersome as the fact that they told me that it had been corrected when in fact it hadn't.

1St Constitution's Customer Service Is.....

Posted by: Anonymous | Jun 30, 2011

We have banked with many banks over the years and found this bank to be below what is reasonably acceptable when it comes to customer service. Yes, they do make mistakes and they are not willing to fix or apologize for them. Not sure how they are "growing" with this type of customer service. I suggest you read all the fine print and ask to meet upper management before you make any sizable investment of your time and money at their bank. This bank is totally micro-managed and the branch level employees are merely there to meet and greet. Making any decisions or helping you work through a problem may land you in the "please don't bother" department. Beware!


Health Grade Components

FDIC Certificate #27552
Year Established1989
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD8.28%
Annual Interest Income$40.9MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$968.0MM$956.8MM
LoansQ4 2015vs Q4 2014$680.6MM$655.7MM
DepositsQ4 2015vs Q4 2014$786.8MM$817.8MM
Equity CapitalQ4 2015vs Q4 2014$111.6MM$102.8MM
Loan Loss AllowanceQ4 2015vs Q4 2014$7.6MM$6.9MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$6.0MM$6.1MM
Real Estate OwnedQ4 2015vs Q4 2014$966.00K$5.7MM
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1st Constitution Bank Savings Account Rates

0.65%*$10k*-1st Choice Super Savings
OTHER TIERS: 0.20% Up to $10k

1st Constitution Bank Checking Account Rates

0.65%*$10k*-1st Choice Checking
OTHER TIERS: 0.20% Up to $10k

1st Constitution Bank has 19 locations. Click to view all 1st Constitution Bank locations.