First Commerce Bank
Lewisburg, TN · Cert 57465 · Peer group: banks under $1B in assets (n=570-617) · 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 93% of banks under $1B in assets (rank 45 of 617).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets (rank 539 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.89%
Rank 80 of 617
Net Interest Margin
4.27%
Rank 98 of 617
Efficiency Ratio
47.44%
Rank 45 of 617
Equity / Assets
10.53%
Rank 312 of 617
Non-interest income vs. expense
Unfavorable gap of $17.4M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.89% | 0.60% | 1.01% | 1.45% | Beats 87% | 80 / 617 | |
| Return on Equity | 17.91% | 5.30% | 9.43% | 13.30% | Beats 90% | 59 / 617 | |
| Net Interest Margin | 4.27% | 3.04% | 3.54% | 4.05% | Beats 84% | 98 / 617 | |
| Efficiency Ratio | 47.44% | 58.03% | 67.76% | 79.08% | Beats 93% | 45 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.47% | 1.27% | Beats 77% | 133 / 570 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 344 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 10.21% | 11.18% | 13.83% | 18.55% | Beats 14% | 532 / 617 | |
| Total Risk-Based Capital Ratio | 10.21% | 11.56% | 14.39% | 19.39% | Beats 13% | 539 / 617 | |
| Equity / Assets | 10.53% | 9.03% | 10.55% | 13.63% | Beats 49% | 312 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 86.99% | 64.77% | 79.70% | 93.06% | 64th pctl | 212 / 582 | |
| Loans / Assets | 76.73% | 51.70% | 67.18% | 77.51% | 73rd pctl | 166 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |