Lakewood, NJ · Cert 58054 · First Commerce Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #70 of 151 inst. · $1.3B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.32% | 0.44% | 0.37% | 0.43% | 0.51% | 0.96% | 0.96% | +59 bps | |
| Return on Equity | 2.83% | 2.78% | 4.12% | 3.54% | 4.15% | 5.02% | 9.62% | 9.69% | +614 bps | |
| Net Interest Margin | 2.27% | 2.21% | 2.21% | 2.24% | 2.27% | 2.43% | 2.88% | 2.86% | +62 bps | |
| Efficiency Ratio | 81.38% | 81.74% | 77.72% | 77.35% | 74.91% | 72.09% | 64.81% | 63.09% | -1,426 bps | |
| Non-Interest Burden | 1.82% | 1.78% | 1.64% | 1.68% | 1.65% | 1.70% | 1.79% | 1.73% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 8.01% | 8.92% | 15.14% | 15.81% | 15.68% | 15.07% | 16.30% | +116 bps | |
| Loan Growth (YoY) | -0.11% | -0.97% | 0.96% | 9.20% | 10.56% | 14.50% | 16.81% | 13.46% | +427 bps | |
| Deposit Growth (YoY) | -2.79% | 5.84% | 8.14% | 12.60% | 16.54% | 13.44% | 10.77% | 14.41% | +180 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.15% | 3.03% | 3.02% | 1.30% | 0.89% | 0.74% | 0.78% | 0.72% | -58 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | 0.00% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.18% | 1.19% | 1.18% | 1.11% | 1.14% | 1.13% | 1.06% | 1.01% | -10 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.4x | 0.4x | 0.9x | 1.3x | 1.5x | 1.4x | 1.4x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.31% | 10.74% | 10.42% | 10.01% | 10.14% | 10.51% | 10.15% | -27 bps | |
| Total Risk-Based Capital | 13.90% | 14.17% | 13.29% | 12.35% | 12.20% | 12.32% | 12.48% | 12.12% | -23 bps | |
| Equity / Assets | 11.34% | 10.87% | 10.57% | 9.97% | 9.99% | 9.70% | 10.32% | 9.80% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.72% | 104.51% | 103.69% | 109.33% | 107.89% | 105.49% | 109.34% | 108.42% | -91 bps | |
| Liquid Assets / Assets | 9.95% | 15.79% | 14.76% | 12.95% | 12.40% | 14.47% | 9.71% | 10.61% | -234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 692% | 692% | 663% | n/a | n/a | |