1st Constitution Bancorp is a bank holding company organized for the purpose of acquiring the stock of 1st Constitution Bank (the Bank). The Bank is engaged in the business of commercial and retail banking. As a community bank, the Bank offers a range of services (including demand, savings and time deposits and commercial and consumer/installment loans) to individuals, small businesses and not-for-profit organizations principally in Middlesex, Mercer and Somerset Counties, New Jersey. The Bank conducts its operations through its main office located in Cranbury, New Jersey, and operates 10 additional branch offices. The Bank’s deposits are insured up to applicable legal limits by the Federal Deposit Insurance Corporation (FDIC). The Bank provides a range of commercial and consumer banking services to individuals, families, institutions and small businesses in central New Jersey and the Fort Lee area of Bergen County.
(Source: 10-K)