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First Commerce Bank

Lakewood, NJ · Cert 58054 · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

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 $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

51

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

Lakewood, NJ · Cert 58054 · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$2.0BAssets
$1.6BLoans
$1.4BDeposits
$192.5MEquity
Loan mix
98%RE $1.4B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.2B15%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.33%Q2 ’245.22%Q2 ’255.47%Q2 ’26-2%+28%

Non-interest income vs. expense

1.94%Q2 ’241.91%Q2 ’251.94%Q2 ’26-7%+3%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #70 of 151 inst. · $1.3B of $2921.1B

2.9% Ocean
0.4% Bergen
0.7% Monmouth
0.4% Essex

Executive Summary

  • Earnings: ROA of 0.96%, up 59 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.72% of loans (-58 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.15%, down 27 bps from a year ago.
  • Funding: loans stand at 108.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+59 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+62 bps YoY

Efficiency Ratio (YTD, annualized)

63.09%-1,426 bps YoY

Tier 1 Leverage Ratio

10.15%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.43%0.51%0.96%0.96%+59 bps
Return on Equity3.54%4.15%5.02%9.62%9.69%+614 bps
Net Interest Margin2.24%2.27%2.43%2.88%2.86%+62 bps
Efficiency Ratio77.35%74.91%72.09%64.81%63.09%-1,426 bps
Non-Interest Burden1.68%1.65%1.70%1.79%1.73%+5 bps
Growth
Asset Growth (YoY)15.14%15.81%15.68%15.07%16.30%+116 bps
Loan Growth (YoY)9.20%10.56%14.50%16.81%13.46%+427 bps
Deposit Growth (YoY)12.60%16.54%13.44%10.77%14.41%+180 bps
Asset Quality
Nonperforming Loans / Loans1.30%0.89%0.74%0.78%0.72%-58 bps
Net Charge-Offs / Loans-0.01%0.00%0.01%0.00%0.00%+1 bps
Allowance / Loans1.11%1.14%1.13%1.06%1.01%-10 bps
Allowance Coverage of NPLs0.9x1.3x1.5x1.4x1.4x+0.6x
Capital
Tier 1 Leverage Ratio10.42%10.01%10.14%10.51%10.15%-27 bps
Total Risk-Based Capital12.35%12.20%12.32%12.48%12.12%-23 bps
Equity / Assets9.97%9.99%9.70%10.32%9.80%-17 bps
Liquidity & Funding
Loans / Deposits109.33%107.89%105.49%109.34%108.42%-91 bps
Liquid Assets / Assets12.95%12.40%14.47%9.71%10.61%-234 bps
CRE / Total Capitaln/a692%692%663%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

Lakewood, NJ · Cert 58054 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · First Commerce Bcorp Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$2.0BAssets
$1.6BLoans
$1.4BDeposits
$192.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: tier 1 capital ratio trails 89% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 32 of 36).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.91%

Rank 21 of 36

Net Interest Margin

2.86%

Rank 23 of 36

Efficiency Ratio

63.09%

Rank 18 of 35

Equity / Assets

9.80%

Rank 27 of 36

Non-interest income vs. expense

$4.1M$36.9MINCOMEEXPENSE
Unfavorable gap of $32.8M · efficiency ratio beats 51% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 63.09%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.65%1.00%1.72%Beats 42%21 / 36
Return on Equity9.30%5.35%9.30%13.56%Beats 49%18 / 35
Net Interest Margin2.86%2.66%3.13%3.63%Beats 36%23 / 36
Efficiency Ratio63.09%52.19%63.09%75.14%Beats 51%18 / 35
Asset Quality
Nonperforming Loans / Loans0.72%0.46%0.84%1.59%Beats 64%14 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio11.17%13.13%14.78%18.34%Beats 11%32 / 36
Total Risk-Based Capital Ratio12.12%13.73%15.96%19.27%Beats 14%31 / 36
Equity / Assets9.80%9.80%11.58%14.82%Beats 25%27 / 36
Liquidity & Funding
Loans / Deposits108.42%81.12%95.13%103.24%81st pctl7 / 36
Loans / Assets79.46%67.44%76.31%84.79%56th pctl16 / 36
Brokered Deposits / Depositsn/aNot reported for this institution