1ST CONSTITUTION BANCORP Stock: price and directors' dealings · United States · SEC (Form 4)

About 1ST CONSTITUTION BANCORP

1ST Constitution Bancorp (ticker FCCY) was a U.S. community banking group historically focused on New Jersey. It was listed on the NASDAQ market in the United States and was headquartered in Cranbury, New Jersey. The holding company was organized in 1999, while its banking subsidiary, 1st Constitution Bank, was founded in 1989. Over time, the franchise built a reputation as a relationship-driven community lender serving retail customers, small and medium-sized businesses, and selected local institutions, with an emphasis on personalized service and quick, flexible credit decisions.([sec.gov](https://www.sec.gov/Archives/edgar/data/1141807/000114180718000027/fccyinvestorpresentation.htm)) From a business-model perspective, 1st Constitution Bancorp offered a conventional community and commercial banking mix: deposit accounts, consumer lending, commercial loans, commercial real estate lending, equipment financing, and related credit products. The bank’s strategy was to support local economic activity through a mix of lending and deposit services rather than through a broad national footprint or complex capital-markets activities. Its operating footprint was concentrated in Central New Jersey, including Middlesex, Monmouth, Mercer, and Somerset counties, plus the Fort Lee area in Bergen County. That geographic focus gave the company local market knowledge and a strong presence in dense, affluent, and economically active suburban corridors.([sec.gov](https://www.sec.gov/Archives/edgar/data/1141807/000114180718000027/fccyinvestorpresentation.htm)) In competitive terms, FCCY operated in a highly fragmented banking market where scale matters, but so does local execution. Its key advantages were its community-banking identity, long-standing local relationships, and targeted acquisition strategy. The company expanded through a series of small but strategically relevant deals, including Rumson-Fair Haven Bank & Trust Co., New Jersey Community Bank, and branch acquisitions from Amboy Bank, each of which helped deepen its New Jersey presence. That track record suggests management pursued disciplined footprint expansion while staying within its traditional banking niche.([sec.gov](https://www.sec.gov/Archives/edgar/data/1141807/000114180718000027/fccyinvestorpresentation.htm)) The most important recent development was the announced merger with Lakeland Bancorp on July 11, 2021, followed by closing on January 6, 2022. At closing, 1st Constitution’s wholly owned bank subsidiary was merged into Lakeland Bank, ending FCCY’s life as an independent listed company. At the time the deal was announced, the company reported approximately $1.91 billion in assets, $1.20 billion in loans, and $1.64 billion in deposits as of September 30, 2021. For investors, this means FCCY is best viewed today as a historical banking franchise and M&A case study rather than an actively traded standalone name on the NYSE or NASDAQ in the United States.([sec.gov](https://www.sec.gov/Archives/edgar/data/1141807/000114180721000013/earningsrelease2q21.htm?utm_source=openai))