Lewisburg, TN · Cert 57465 · First Commerce Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.0% share · #56 of 62 inst. · $0.0B of $107.8B
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 | 1.93% | 1.66% | 1.86% | 1.80% | 1.90% | 1.79% | 1.85% | 1.96% | +15 bps | |
| Return on Equity | 20.44% | 17.20% | 18.94% | 17.81% | 18.27% | 16.96% | 17.76% | 18.85% | +104 bps | |
| Net Interest Margin | 3.99% | 4.10% | 3.90% | 4.33% | 4.50% | 4.30% | 4.31% | 4.34% | +1 bps | |
| Efficiency Ratio | 44.71% | 49.62% | 44.23% | 45.88% | 45.14% | 51.55% | 46.80% | 44.81% | -107 bps | |
| Non-Interest Burden | 1.60% | 1.88% | 1.60% | 1.87% | 1.91% | 2.13% | 1.92% | 1.83% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.83% | 5.40% | 32.86% | 31.32% | 32.69% | 34.46% | 8.55% | 9.05% | -2,227 bps | |
| Loan Growth (YoY) | 7.01% | 5.67% | 27.00% | 32.46% | 34.81% | 36.08% | 12.57% | 8.74% | -2,372 bps | |
| Deposit Growth (YoY) | 9.66% | 4.53% | 31.43% | 29.60% | 30.94% | 32.71% | 8.20% | 8.87% | -2,073 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.06% | 0.06% | 0.05% | 0.06% | 0.08% | 0.08% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.07% | 0.03% | 0.02% | 0.07% | 0.00% | -6 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.77% | 0.78% | 0.78% | 0.87% | 0.85% | 0.86% | +8 bps | |
| Allowance Coverage of NPLs | 68.5x | 68.4x | 12.5x | 13.6x | 14.7x | 14.2x | 10.5x | 10.7x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 10.31% | 9.94% | 10.12% | 10.49% | 10.40% | 10.29% | 10.21% | +9 bps | |
| Total Risk-Based Capital | 10.09% | 10.31% | 9.94% | 10.12% | 10.49% | 10.40% | 10.29% | 10.21% | +9 bps | |
| Equity / Assets | 9.70% | 9.62% | 9.97% | 10.27% | 10.51% | 10.64% | 10.23% | 10.53% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.50% | 88.31% | 83.90% | 87.10% | 89.06% | 90.56% | 87.29% | 86.99% | -11 bps | |
| Liquid Assets / Assets | 6.38% | 3.38% | 4.57% | 1.81% | 0.77% | 1.99% | 5.85% | 4.79% | +298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 395% | 406% | n/a | n/a | |