First Commerce Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Commerce Bank of Lewisburg, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.94% | 1.25% | +0.69% | 83rd top |
| ROAE | 18.85% | 12.22% | +6.63% | 82nd top |
| Net Interest Margin | 4.56% | 3.95% | +0.61% | 81st top |
| Efficiency Ratio | 44.41% | 63.71% | -19.30% | 90th top |
| PPNR / Avg Assets | 2.49% | — | — | 88th top |
| Yield on Earning Assets | 6.49% | 5.67% | +0.82% | 87th top |
| Cost of Funds | 2.14% | 1.87% | +0.27% | 29th below |
| Net Interest Spread | 3.98% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.88% | -0.80% | 76th top |
| NPA / Total Assets | 0.06% | — | — | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 48th below |
| ACL / Total Loans | 0.86% | — | — | 14th bottom |
| ACL / NPLs (Coverage) | 1073.39% | — | — | — |
| Texas Ratio | 0.59% | 5.96% | -5.37% | 75th top |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.21% | 11.75% | -1.54% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.53% | 10.98% | -0.45% | 52nd above |
| TCE / Tangible Assets | 9.91% | — | — | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.99% | 80.44% | +6.55% | 36th below |
| Core Deposit Ratio | 75.43% | 86.95% | -11.52% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.05% | — | — | 79th top |
| Loan Growth (Y/Y) | 8.74% | — | — | 68th above |
| Deposit Growth (Y/Y) | 8.87% | — | — | 79th top |
See First Commerce Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Commerce Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Commerce Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Commerce Bank peer analysis.