Marysville, KS · Cert 57273 · First Commerce Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.32% | 1.14% | 1.17% | 1.14% | 1.35% | 1.31% | 1.52% | +35 bps | |
| Return on Equity | 14.43% | 13.04% | 11.06% | 11.32% | 10.66% | 12.12% | 11.45% | 12.99% | +167 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.54% | 3.72% | 3.67% | 3.74% | 3.73% | 3.91% | +19 bps | |
| Efficiency Ratio | 53.11% | 53.82% | 59.05% | 55.48% | 56.51% | 56.25% | 57.39% | 53.35% | -213 bps | |
| Non-Interest Burden | 1.77% | 1.78% | 2.03% | 1.99% | 2.05% | 2.04% | 2.06% | 1.98% | -1 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 | 0.02% | 0.00% | 0.02% | 0.10% | 0.00% | -0.01% | 0.01% | -0.02% | -12 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 | |