First Commerce Bank (Marysville, KS)
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Data as of · sourced from FFIEC call reports. How we update
First Commerce Bank is an FDIC-insured commercial bank headquartered in Marysville, KS, established in 2002 (FDIC certificate 57273), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.5M, up 1.1% from Q2 2025, the 117th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57273
- Headquarters
- Marysville, KS
- Established
- 2002
- Total assets, Q2 2026
- $138.5M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 11.79%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101114976
- Holding company
- FIRST COMMERCE FINANCIAL CORPORATION
- Asset rank in state
- 117th of 182 in Kansas
First Commerce Bank, based in Marysville, Kansas, reported $138 million in assets at June 30, 2026, up 1.1% from a year earlier. It holds commercial real estate loans equal to only 23% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $1.86 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $652,000, 31% above the same quarter a year earlier.
As of June 30, 2026, First Commerce Bank reported a return on assets of 1.86%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.74%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, First Commerce Bank is the 117th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $138.5M, loans rose 2.4% and deposits fell 2.5%. 1-4 family residential loans made up 36.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.4%. Its 2 offices in the FDIC Summary of Deposits are in Marysville, KS and Blue Rapids, KS; its Marysville office books 66% of its branch deposits. Judged on its Q2 2026 call report, First Commerce Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 902 Broadway, Marysville, KS 66508
- County
- Marshall
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 21, 2002
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $120.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $140.3M
- Average total loans
- $112.3M
- Average interest-bearing deposits
- $99.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 2002
- FDIC Cert
- 57273
- Fed RSSD
- 3041358
- Website
- www.bankfirstcommerce.com →
- Parent Holding Company
- FIRST COMMERCE FINANCIAL CORPORATION (RSSD 3123366)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Commerce Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Commerce Bank's total assets ranged from $132.0M (Q3 2023) to $150.3M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$138.5M total assets against $136.9M; $122.1M total liabilities against $122.5M.
$112.2M net loans and leases against $106.5M; $120.6M total deposits against $116.2M.
$17.7M securities against $22.8M; $4.9M cash and balances due against $3.9M.
$1.9M total interest income against $1.8M; $534K total interest expense against $498K.
$1.4M net interest income against $1.3M.
$86K total noninterest income against $66K; $781K total noninterest expense against $753K.
$0 provision for credit losses against $85K.
$652K net income against $496K.
1.86% return on assets against 1.44%; 3.98% net interest margin against 3.79%.
11.79% tier 1 leverage ratio against 10.76%.
Inside the full First Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Commerce Bank rankings
Its closest position to the top of a national ranking is 654 of 3,611, for ROA; its furthest is 3,380 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.39% (Q3 2025) to 1.86% (Q2 2026) and its net interest margin ran from 3.53% (Q4 2024) to 3.98% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.79% | 1.86% | 0.26% | 1.74% | 3.98% |
| Q1 2026 | 11.62% | 1.60% | 0.21% | 1.39% | 3.80% |
| Q4 2025 | 11.28% | 1.66% | 0.17% | 1.99% | 3.82% |
| Q3 2025 | 10.93% | 1.39% | 0.17% | 2.07% | 3.74% |
| Q2 2025 | 10.76% | 1.44% | 0.17% | 2.38% | 3.79% |
| Q1 2025 | 10.76% | 1.42% | 0.22% | 2.80% | 3.61% |
| Q4 2024 | 10.72% | 1.62% | 0.20% | 2.58% | 3.53% |
| Q3 2024 | 9.83% | 1.68% | 0.20% | 2.59% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Commerce Bank (main office) | Marysville , KS | 66508 | $79.9M |
| Blue Rapids Branch | Blue Rapids , KS | 66411 | $40.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2017 | Structure Change | Acquired The State Bank of Blue Rapids Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 142 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $356K approved, $356K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Commerce Bank
What are First Commerce Bank's total assets?
As of the Q2 2026 filing, First Commerce Bank reported total assets of $138.5 million in its FFIEC call report.
Where is First Commerce Bank headquartered?
It is headquartered in Marysville, KS, United States.
When was First Commerce Bank founded?
It was established in 2002, per the FDIC institution directory.
Is First Commerce Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Commerce Bank?
First Commerce Bank's primary federal regulator is the FDIC.
How many branches does First Commerce Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Commerce Bank's Texas Ratio?
Its Texas Ratio is 1.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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