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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.87%	1.89%	1.87%	1.85%	1.91%	+4 bps
Return on Equity	18.72%	18.64%	18.25%	17.76%	18.29%	-44 bps
Net Interest Margin	4.10%	4.23%	4.15%	4.31%	4.27%	+17 bps
Efficiency Ratio	45.10%	45.11%	46.77%	46.80%	45.79%	+69 bps
Non-Interest Burden	1.73%	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 / Loans	0.06%	0.05%	0.06%	0.08%	0.08%	+2 bps
Net Charge-Offs / Loans	0.05%	0.04%	0.04%	0.07%	0.04%	-2 bps
Allowance / Loans	0.78%	0.78%	0.87%	0.85%	0.86%	+8 bps
Allowance Coverage of NPLs	13.6x	14.7x	14.2x	10.5x	10.7x	-2.9x
Capital
Tier 1 Leverage Ratio	10.12%	10.49%	10.40%	10.29%	10.21%	+9 bps
Total Risk-Based Capital	10.12%	10.49%	10.40%	10.29%	10.21%	+9 bps
Equity / Assets	10.27%	10.51%	10.64%	10.23%	10.53%	+26 bps
Liquidity & Funding
Loans / Deposits	87.10%	89.06%	90.56%	87.29%	86.99%	-11 bps
Liquid Assets / Assets	1.81%	0.77%	1.99%	5.85%	4.79%	+298 bps
CRE / Total Capital	n/a	388%	395%	406%	n/a	n/a