Bank Comparison
Union County Savings Bank vs First Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| CET1 Ratio | 21.76% | 11.48% |
| Tier 1 Capital Ratio | 21.76% | 11.48% |
| Total Capital Ratio | 22.08% | 12.48% |
| Tier 1 Leverage Ratio | 8.10% | 10.51% |
| Equity / Assets | -1.15% | 10.32% |
Profitability
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | -1.22% | 0.97% |
| Return on Equity (ROE) | 170.04% | 9.62% |
| Net Interest Margin (NIM) | -0.45% | 3.01% |
| Yield on Earning Assets | 3.31% | 5.81% |
| Cost of Funds | 3.38% | 2.97% |
Asset quality
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| Texas Ratio | — | 9.01% |
| Non-Performing Loan Ratio | 0.83% | 0.78% |
| Non-Performing Asset Ratio | 0.17% | 1.01% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.65% | 1.06% |
Balance sheet
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| Total Assets | $1,490M | $1,820M |
| Total Deposits | $1,349M | $1,342M |
| Total Loans | $302,048K | $1,467M |
| Total Equity | $-17,116 | $187,925K |
| Net Income (quarter) | $-5,128 | $4,352K |
Liquidity & funding
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 22.39% | 109.34% |
| Core Deposit Ratio | 76.48% | 88.36% |
| Uninsured Deposit Ratio | 14.43% | 36.12% |
Identity
| Metric | Union County Savings Bank | First Commerce Bank |
|---|---|---|
| Headquarters City | ELIZABETH | LAKEWOOD |
| Headquarters State | NJ | NJ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 11 |
| Employees (FTE) | 48 | 165 |
| Established | Oct. 1, 1883, midnight | Jan. 30, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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