First Commerce Bank
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
$138.5MAssets
$113.4MLoans
$120.6MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in KS (rank 32 of 98).
- Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets in KS (rank 76 of 98).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 61% of banks under $1B in assets in KS | 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 |