FIRST COMMERCE BANK

LEWISBURG, TN | Medium | Est. Dec. 2, 2002, midnight | FDIC #57465 | RSSD #3153297 | FDIC
Latest Report: 2025-12-31

FIRST COMMERCE BANK is amn medium FDIC-insured commercial bank headquartered in LEWISBURG, TN, established in Dec. 2, 2002, midnight. As of 2025-12-31, the bank reported total assets of $893M and total deposits of $787M. Profitability stands at 1.79% ROA and 16.96% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 9.77%. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.35%. FDIC Certificate #57465.

Assets

$893M

Deposits

$787M

Loans

$713M

Equity

$95M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 16.96%
Net Interest Margin (NIM) 4.65%
Yield on Assets 6.76%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.35%
NPA Ratio 0.04%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 9.77%
Tier 1 Capital 9.77%
Total Capital Ratio 10.26%
Leverage Ratio 10.40%
Loan-to-Deposit 90.56%

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