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First Commerce Bank

Marysville, KS · Cert 57273 · First Commerce Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$138.5MAssets
$113.4MLoans
$120.6MDeposits
$16.4MEquity
Loan mix
82%RE $79.1M13%C&I $12.7M5%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $99.0M18%Noninterest $21.6MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.14%Q2 ’255.41%Q2 ’26+14%+5%

Non-interest income vs. expense

1.93%Q2 ’242.18%Q2 ’252.23%Q2 ’26+15%0%

Executive Summary

  • Earnings: ROA of 1.52%, up 35 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.26% of loans (+9 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.79%, up 104 bps from a year ago.
  • Funding: loans stand at 94.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.52%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+19 bps YoY

Efficiency Ratio (quarter, annualized)

53.35%-213 bps YoY

Tier 1 Leverage Ratio

11.79%+104 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.14%1.35%1.31%1.52%+35 bps
Return on Equity11.32%10.66%12.12%11.45%12.99%+167 bps
Net Interest Margin3.72%3.67%3.74%3.73%3.91%+19 bps
Efficiency Ratio55.48%56.51%56.25%57.39%53.35%-213 bps
Non-Interest Burden1.99%2.05%2.04%2.06%1.98%-1 bps
Growth
Asset Growth (YoY)-5.51%-3.25%2.70%2.57%1.13%+664 bps
Loan Growth (YoY)6.86%11.78%10.39%7.88%5.45%-142 bps
Deposit Growth (YoY)0.43%4.94%5.41%0.93%3.76%+334 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.17%0.17%0.21%0.26%+9 bps
Net Charge-Offs / Loans0.10%0.00%-0.01%0.01%-0.02%-12 bps
Allowance / Loans1.00%1.02%1.03%1.03%1.01%+1 bps
Allowance Coverage of NPLs5.9x6.1x6.1x5.0x3.9x-1.9x
Capital
Tier 1 Leverage Ratio10.76%10.93%11.28%11.62%11.79%+104 bps
Total Risk-Based Capital10.76%10.93%11.28%11.62%11.79%+104 bps
Equity / Assets10.55%10.81%11.45%11.51%11.87%+132 bps
Liquidity & Funding
Loans / Deposits92.54%93.56%91.39%89.54%94.04%+150 bps
Liquid Assets / Assets2.49%2.27%2.64%6.03%3.10%+60 bps
CRE / Total Capitaln/a63.28%63.86%56.01%n/an/a