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
Unfavorable gap of $17.4M · efficiency ratio beats 92% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.89% | 0.60% | 1.01% | 1.45% | Beats 86% | 86 / 629 | | |
| Return on Equity | 17.91% | 5.38% | 9.30% | 13.28% | Beats 90% | 60 / 629 | | |
| Net Interest Margin | 4.27% | 3.03% | 3.54% | 4.05% | Beats 84% | 103 / 629 | | |
| Efficiency Ratio | 47.44% | 58.35% | 67.79% | 79.08% | Beats 92% | 53 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 77% | 135 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 341 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.21% | 11.24% | 13.84% | 18.77% | Beats 13% | 545 / 629 | | |
| Total Risk-Based Capital Ratio | 10.21% | 11.58% | 14.43% | 19.66% | Beats 12% | 552 / 629 | | |
| Equity / Assets | 10.53% | 9.09% | 10.65% | 13.80% | Beats 48% | 330 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.99% | 67.24% | 80.90% | 93.48% | 62nd pctl | 223 / 594 | | |
| Loans / Assets | 76.73% | 53.31% | 67.71% | 78.15% | 71st pctl | 181 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |