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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