First Commerce Bank (Lewisburg, TN)
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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 Lewisburg, TN, established in 2002 (FDIC certificate 57465), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $935.1M, up 9.0% from Q2 2025, the 36th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.21% 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
- 57465
- Headquarters
- Lewisburg, TN
- Established
- 2002
- Total assets, Q2 2026
- $935.1M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 10.21%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 064108799
- Latest call report
- Q2 2026, FFIEC 051 · First Commerce Bank call report
- Holding company
- FIRST COMMERCE BANCORP, INC.
- Asset rank in state
- 36th of 109 in Tennessee
First Commerce Bank runs leaner than most banks of its size. Based in Lewisburg, Tennessee, it had $935 million in assets at June 30, 2026, up 9.0% from a year earlier. It spends about 44 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 18% from a year earlier, to $4.6 million.
As of June 30, 2026, First Commerce Bank reported a return on assets of 1.94%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Commerce Bank is the 36th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $935.1M, loans fell 0.9% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.6% of total loans, ahead of construction and land development loans at 21.7%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in TN; its Lewisburg 2 offices book 51% 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
- 500 N Ellington Pkwy, Lewisburg, TN 37091
- County
- Marshall
- Metro Area
- Lewisburg, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- December 2, 2002
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $824.8M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $134K
- Average total assets
- $942.8M
- Average total loans
- $729.2M
- Average interest-bearing deposits
- $676.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 2, 2002
- FDIC Cert
- 57465
- Fed RSSD
- 3153297
- SEC CIK
- 1376627 → filed by FIRST COMMERCE BANCORP, INC.
- Website
- www.firstcommercebank.net →
- Parent Holding Company
- FIRST COMMERCE BANCORP, INC. (RSSD 3465909)
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
Over the 12 quarters to Q2 2026, First Commerce Bank's total assets ran between $599.6M (Q3 2023) and $937.4M (Q1 2026), 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
$935.1M total assets against $857.5M; $836.6M total liabilities against $769.4M.
$711.3M net loans and leases against $654.7M; $824.8M total deposits against $757.6M.
$77.3M securities against $83.1M; $92.4M cash and balances due against $70.6M.
$14.5M total interest income against $13.6M; $4.3M total interest expense against $4.3M.
$10.2M net interest income against $9.3M.
$781K total noninterest income against $714K; $5.1M total noninterest expense against $4.8M.
$0 provision for credit losses against $315K.
$4.6M net income against $3.9M.
1.94% return on assets against 1.80%; 4.56% net interest margin against 4.56%.
10.21% tier 1 leverage ratio against 10.12%.
Inside the full First Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Commerce Bank rankings
Its closest position to the top of a national ranking is 392 of 3,606, for efficiency ratio; its furthest is 2,910 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.66% (Q1 2025) to 1.94% (Q2 2026) and its net interest margin ran from 4.20% (Q3 2024) to 4.76% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.21% | 1.94% | 0.08% | 0.59% | 4.56% |
| Q1 2026 | 10.29% | 1.85% | 0.08% | 0.62% | 4.54% |
| Q4 2025 | 10.40% | 1.79% | 0.06% | 0.47% | 4.53% |
| Q3 2025 | 10.49% | 1.91% | 0.05% | 0.40% | 4.70% |
| Q2 2025 | 10.12% | 1.80% | 0.06% | 0.44% | 4.56% |
| Q1 2025 | 9.94% | 1.66% | 0.06% | 0.47% | 4.76% |
| Q4 2024 | 10.31% | 1.66% | 0.01% | 0.10% | 4.32% |
| Q3 2024 | 10.09% | 1.91% | 0.01% | 0.10% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Lewisburg , TN | 37091 | $422.6M |
| Shelbyville Branch | Shelbyville , TN | 37160 | $147.7M |
| Chapel Hill Branch | Chapel Hill , TN | 37034 | $125.8M |
| First Commerce Bank Fayetteville Branch | Fayetteville , TN | 37334 | $85.3M |
| Murfreesboro Branch | Murfreesboro , TN | 37130 | $43.4M |
| Lewisburg Branch | Lewisburg , TN | 37091 | $0 |
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 |
|---|---|---|---|
| February 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2025 | Structure Change | Acquired Peoples Bank of Middle Tennessee 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
- 0.3% of deposits in TN, rank 50 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 178 applications, 176 loans originated, $47.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 $935.1 million in its FFIEC call report.
Where is First Commerce Bank headquartered?
It is headquartered in Lewisburg, TN, 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 #57465). 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 6 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 0.59% 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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