Marysville, KS · Cert 57273 · First Commerce Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
53
Profitability
63
Liquidity
0
Efficiency
61
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Marysville, KS · Cert 57273 · First Commerce Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.19% | 1.14% | 1.16% | 1.15% | 1.20% | 1.31% | 1.42% | +26 bps | |
| Return on Equity | 12.51% | 12.70% | 11.06% | 11.12% | 10.94% | 11.27% | 11.45% | 12.23% | +110 bps | |
| Net Interest Margin | 3.35% | 3.52% | 3.54% | 3.58% | 3.58% | 3.62% | 3.73% | 3.82% | +24 bps | |
| Efficiency Ratio | 56.92% | 56.16% | 59.05% | 57.19% | 56.96% | 56.78% | 57.39% | 55.32% | -188 bps | |
| Non-Interest Burden | 1.85% | 1.91% | 2.03% | 1.98% | 1.99% | 2.00% | 2.06% | 2.02% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.40% | -10.31% | -9.10% | -5.51% | -3.25% | 2.70% | 2.57% | 1.13% | +664 bps | |
| Loan Growth (YoY) | 6.16% | 4.38% | 5.28% | 6.86% | 11.78% | 10.39% | 7.88% | 5.45% | -142 bps | |
| Deposit Growth (YoY) | -4.32% | -4.68% | 0.53% | 0.43% | 4.94% | 5.41% | 0.93% | 3.76% | +334 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.22% | 0.17% | 0.17% | 0.17% | 0.21% | 0.26% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.06% | 0.04% | 0.03% | 0.01% | 0.00% | -6 bps | |
| Allowance / Loans | 1.02% | 1.02% | 0.99% | 1.00% | 1.02% | 1.03% | 1.03% | 1.01% | +1 bps | |
| Allowance Coverage of NPLs | 5.0x | 5.1x | 4.5x | 5.9x | 6.1x | 6.1x | 5.0x | 3.9x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.83% | 10.72% | 10.76% | 10.76% | 10.93% | 11.28% | 11.62% | 11.79% | +104 bps | |
| Total Risk-Based Capital | 9.83% | 10.72% | 10.76% | 10.76% | 10.93% | 11.28% | 11.62% | 11.79% | +104 bps | |
| Equity / Assets | 9.74% | 10.50% | 10.12% | 10.55% | 10.81% | 11.45% | 11.51% | 11.87% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.84% | 87.27% | 83.77% | 92.54% | 93.56% | 91.39% | 89.54% | 94.04% | +150 bps | |
| Liquid Assets / Assets | 10.07% | 3.65% | 5.61% | 2.49% | 2.27% | 2.64% | 6.03% | 3.10% | +60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.28% | 63.86% | 56.01% | n/a | n/a | |
Marysville, KS · Cert 57273 · Peer group: banks under $1B in assets in KS (n=98) · First Commerce Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.42%
Rank 34 of 98
Net Interest Margin
3.82%
Rank 32 of 98
Efficiency Ratio
55.88%
Rank 39 of 98
Equity / Assets
11.87%
Rank 40 of 98
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 1.03% | 1.24% | 1.54% | Beats 65% | 34 / 98 | ||
| Return on Equity | 11.99% | 8.85% | 11.58% | 14.73% | Beats 57% | 42 / 98 | ||
| Net Interest Margin | 3.82% | 3.24% | 3.62% | 3.91% | Beats 67% | 32 / 98 | ||
| Efficiency Ratio | 55.88% | 51.87% | 58.88% | 64.74% | Beats 61% | 39 / 98 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.01% | 0.33% | 1.05% | Beats 56% | 44 / 98 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.03% | Beats 50% | 52 / 98 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.79% | 11.81% | 13.71% | 17.33% | Beats 22% | 76 / 98 | ||
| Total Risk-Based Capital Ratio | 11.79% | 11.81% | 14.13% | 17.45% | Beats 22% | 76 / 98 | ||
| Equity / Assets | 11.87% | 8.60% | 11.34% | 13.10% | Beats 59% | 40 / 98 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.04% | 57.09% | 69.84% | 82.47% | 94th pctl | 6 / 98 | ||
| Loans / Assets | 81.88% | 49.34% | 58.31% | 68.94% | 96th pctl | 4 / 98 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||