| Metric | First Commerce Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.1 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.5M | $120.6M | $112.3M | $16.4M | $1.2M | 1.75% | 3.95% | 0.21% |
| Q1 2026 | $140.2M | $123.7M | $109.6M | $16.1M | $562K | 1.62% | 3.85% | 0.16% |
| Q4 2025 | $137.8M | $121.5M | $109.9M | $15.8M | $2.0M | 1.49% | 3.80% | 0.23% |
| Q3 2025 | $139.7M | $120.2M | $111.3M | $15.1M | $1.5M | 1.42% | 3.76% | 0.23% |
| Q2 2025 | $136.9M | $116.2M | $106.5M | $14.5M | $972K | 1.43% | 3.74% | 0.25% |
| Q1 2025 | $136.7M | $122.6M | $101.7M | $13.8M | $476K | 1.41% | 3.61% | 0.29% |
| Q4 2024 | $134.2M | $115.3M | $99.6M | $14.1M | $2.1M | 1.48% | 3.47% | 0.27% |
| Q3 2024 | $144.4M | $114.5M | $99.6M | $14.1M | $1.6M | 1.42% | 3.42% | 0.25% |
Loan mix (Q2 2026): real estate $81.0M · commercial $12.4M · consumer $5.1M · securities $17.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Commerce Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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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