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Overview / Commentary
2650 Route 130
Cranbury, NJ 08512

1st Constitution Bank is headquartered in Cranbury and is the 25th largest bank in the state of New Jersey. It is also the 704th largest bank in the nation. It was established in 1989 and as of September of 2017, it had grown to 183 employees at 18 locations. 1st Constitution Bank has an A health rating.

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1St Constitution Bank [NJ] $200 Checking Account Bonus - 4/14/2017

Get $200 as a new 1st Constitution checking customer, when you open an Easy Pay Checking Account and set up direct deposit. Bonus Requirements: A ) Open a new Easy Pay Checking account online only, which is subject to approval; B) Deposit $100 or more at account opening; C) Have your direct deposit made to this account within 60 days of account opening; and D) present your coupon with offer code WELCOME200 when you submit your signature card. Offer expires on May 15, 2017 https://www.1stconstitution.com/promo/

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Reviews (3)

Great Small Bank

If you like me are tired of big banks that only think about their profits and don't know or care about you, this is the place for you.
I have been banking with this bank at the Hightstown, NJ office for years and find it to be excellent. When I go there, which doesn't happen very often, they know who I am. They take their time to talk to me if I have an issue that I want to discuss and I always have a feeling that they care about giving me the best service they can. A number of times when I had a small overdraft they cancelled the fee for it. I had a very bad experience before with a big bank (I won't mention a name) before and I'm so happy that I switched.

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!

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.


Health Grade Components

FDIC Certificate #27552
Year Established1989
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD7.14%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.07B$1.06B
LoansQ3 2017vs Q3 2016$770.2MM$752.4MM
DepositsQ3 2017vs Q3 2016$870.0MM$827.5MM
Equity CapitalQ3 2017vs Q3 2016$126.9MM$119.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$7.8MM$7.5MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$6.5MM$5.2MM
Real Estate OwnedQ3 2017vs Q3 2016$356.00K$166.00K

Sorry, we do not have rate data for 1st Constitution Bank.