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First Commerce Bank

Lewisburg, TN · Cert 57465 · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

24

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Commerce Bank

Lewisburg, TN · Cert 57465 · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$935.1MAssets
$717.5MLoans
$824.8MDeposits
$98.5MEquity
Loan mix
89%RE $637.0M8%C&I $59.0M3%Consumer $21.8MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $688.5M17%Noninterest $136.3MQ2 2025Q2 2026

NIM

6.17%Q2 ’246.02%Q2 ’256.08%Q2 ’26+5%+4%

Non-interest income vs. expense

2.04%Q2 ’242.05%Q2 ’252.16%Q2 ’26+0%+7%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.0% share · #56 of 62 inst. · $0.0B of $107.8B

62.0% Marshall
11.0% Bedford
10.7% Lincoln
0.5% Rutherford

Executive Summary

  • Earnings: ROA of 1.91%, up 4 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 0.08% of loans (+2 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.21%, up 9 bps from a year ago.
  • Funding: loans stand at 86.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+17 bps YoY

Efficiency Ratio (YTD, annualized)

45.79%+69 bps YoY

Tier 1 Leverage Ratio

10.21%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.89%1.87%1.85%1.91%+4 bps
Return on Equity18.72%18.64%18.25%17.76%18.29%-44 bps
Net Interest Margin4.10%4.23%4.15%4.31%4.27%+17 bps
Efficiency Ratio45.10%45.11%46.77%46.80%45.79%+69 bps
Non-Interest Burden1.73%1.79%1.84%1.92%1.85%+12 bps
Growth
Asset Growth (YoY)31.32%32.69%34.46%8.55%9.05%-2,227 bps
Loan Growth (YoY)32.46%34.81%36.08%12.57%8.74%-2,372 bps
Deposit Growth (YoY)29.60%30.94%32.71%8.20%8.87%-2,073 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.06%0.08%0.08%+2 bps
Net Charge-Offs / Loans0.05%0.04%0.04%0.07%0.04%-2 bps
Allowance / Loans0.78%0.78%0.87%0.85%0.86%+8 bps
Allowance Coverage of NPLs13.6x14.7x14.2x10.5x10.7x-2.9x
Capital
Tier 1 Leverage Ratio10.12%10.49%10.40%10.29%10.21%+9 bps
Total Risk-Based Capital10.12%10.49%10.40%10.29%10.21%+9 bps
Equity / Assets10.27%10.51%10.64%10.23%10.53%+26 bps
Liquidity & Funding
Loans / Deposits87.10%89.06%90.56%87.29%86.99%-11 bps
Liquid Assets / Assets1.81%0.77%1.99%5.85%4.79%+298 bps
CRE / Total Capitaln/a388%395%406%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Commerce Bank

Lewisburg, TN · Cert 57465 · Peer group: banks under $1B in assets (n=581-629) · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$935.1MAssets
$717.5MLoans
$824.8MDeposits
$98.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets (rank 53 of 629).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets (rank 552 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.89%

Rank 86 of 629

Net Interest Margin

4.27%

Rank 103 of 629

Efficiency Ratio

47.44%

Rank 53 of 629

Equity / Assets

10.53%

Rank 330 of 629

Non-interest income vs. expense

$3.0M$20.4MINCOMEEXPENSE
Unfavorable gap of $17.4M · efficiency ratio beats 92% of banks under $1B in assets
Bank 47.44%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.89%0.60%1.01%1.45%Beats 86%86 / 629
Return on Equity17.91%5.38%9.30%13.28%Beats 90%60 / 629
Net Interest Margin4.27%3.03%3.54%4.05%Beats 84%103 / 629
Efficiency Ratio47.44%58.35%67.79%79.08%Beats 92%53 / 629
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.46%1.20%Beats 77%135 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 41%341 / 581
Capital
Tier 1 Capital Ratio10.21%11.24%13.84%18.77%Beats 13%545 / 629
Total Risk-Based Capital Ratio10.21%11.58%14.43%19.66%Beats 12%552 / 629
Equity / Assets10.53%9.09%10.65%13.80%Beats 48%330 / 629
Liquidity & Funding
Loans / Deposits86.99%67.24%80.90%93.48%62nd pctl223 / 594
Loans / Assets76.73%53.31%67.71%78.15%71st pctl181 / 629
Brokered Deposits / Depositsn/aNot reported for this institution