PackageTrendsPeer
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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 75thStandingRank8-Qtr TrendPeer 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