| Metric | First Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +5.5% | +10.8 pts |
| Deposit growth (YoY) | +14.4% | +5.1% | +9.4 pts |
| Loan growth (YoY) | +13.6% | +5.9% | +7.7 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 9.7% | 12.2% | -2.5 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.96B | $1.44B | $1.55B | $192.5M | $9.0M | 0.96% | 3.10% | 0.92% |
| Q1 2026 | $1.82B | $1.34B | $1.45B | $187.9M | $4.4M | 0.96% | 3.03% | 1.01% |
| Q4 2025 | $1.79B | $1.34B | $1.40B | $174.0M | $8.5M | 0.51% | 2.65% | 0.97% |
| Q3 2025 | $1.71B | $1.29B | $1.38B | $170.8M | $5.3M | 0.43% | 2.51% | 1.13% |
| Q2 2025 | $1.69B | $1.26B | $1.36B | $168.4M | $3.0M | 0.37% | 2.37% | 1.06% |
| Q1 2025 | $1.58B | $1.21B | $1.24B | $167.2M | $1.7M | 0.44% | 2.32% | 2.40% |
| Q4 2024 | $1.55B | $1.19B | $1.22B | $168.6M | $4.8M | 0.32% | 2.35% | 2.42% |
| Q3 2024 | $1.48B | $1.11B | $1.25B | $167.4M | $3.6M | 0.33% | 2.40% | 0.98% |
Loan mix (Q2 2026): real estate $1.53B · commercial $29.2M · consumer $352K · securities $202.6M
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 59.0% | 63th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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