1st Constitution Bancorp operates as the holding company of 1st Constitution Bank, which provides commercial and retail banking services in New Jersey. 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. It offers a variety of commercial loan services, which include term loans, lines of credit, equipment loans, and receivable financing loans. The bank also offers construction loans to real estate developers for the acquisition, development, and construction of residential subdivisions. Besides, it offers non-residential consumer loans, such as loans for automobiles, recreation vehicles, and boats; secured and unsecured personal loans; and deposit account secured loans. In addition, it offers services, such as wire transfers, telephone transfers, bank-by-mail, direct deposit, night deposit, lock boxes, merchant credit card services, and automated clearinghouse services. The bank conducts its operations through its main office located in Cranbury, New Jersey; and five branch offices in downtown Cranbury, Hamilton Square, Plainsboro, Princeton, and Montgomery Township in New Jersey. Locally, the bank's direct competitors include Fleet Bank, PNC Bank, and Sovereign Bank.
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