| Metric | First Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.9% | +4.1 pts |
| Deposit growth (YoY) | +8.9% | +4.3% | +4.5 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.3 pts |
| ROA | 1.91% | 1.28% | +0.6 pts |
| ROE | 18.3% | 12.4% | +5.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $935.1M | $824.8M | $711.3M | $98.5M | $8.8M | 1.91% | 4.64% | 0.06% |
| Q1 2026 | $937.4M | $829.6M | $718.0M | $95.9M | $4.2M | 1.85% | 4.59% | 0.06% |
| Q4 2025 | $892.6M | $787.3M | $706.7M | $94.9M | $15.5M | 1.87% | 4.71% | 0.05% |
| Q3 2025 | $881.8M | $774.7M | $684.5M | $92.6M | $11.6M | 1.89% | 4.75% | 0.04% |
| Q2 2025 | $857.5M | $757.6M | $654.7M | $88.1M | $7.4M | 1.87% | 4.72% | 0.04% |
| Q1 2025 | $863.6M | $766.7M | $638.3M | $86.1M | $3.6M | 1.86% | 4.62% | 0.05% |
| Q4 2024 | $663.8M | $593.2M | $519.1M | $63.9M | $11.5M | 1.77% | 4.24% | 0.01% |
| Q3 2024 | $664.6M | $591.7M | $507.0M | $64.5M | $8.8M | 1.80% | 4.20% | 0.01% |
Loan mix (Q2 2026): real estate $632.7M · commercial $56.9M · consumer $21.7M · securities $77.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 61.2% | 11th |
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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