First Commerce Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Compared with Q1 2026, Core deposits to total deposits rose 0.41 percentage points in Q2 2026 to 75.43%, the biggest move on this page. Within Tennessee, First Commerce Bank is 15th of 109 on return on assets, 1.94% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, First Commerce Bank reported 1.94% on return on assets in Q2 2026, 0.69 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.21% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 9.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.59% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 1003.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 18.85% |
| Net interest margin | 4.56% |
| Efficiency ratio | 44.41% |
| Yield on earning assets | 6.49% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.99% |
| Core deposits to total deposits | 75.43% |
| Brokered deposits to total deposits | 1.76% |
| Deposits to assets | 88.21% |
| Securities to assets | 8.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.75% | 1.66% | 4.13% | 0.03% | 0.02% |
| Q4 2023 | 9.62% | 1.41% | 4.12% | 0.03% | 0.03% |
| Q1 2024 | 9.74% | 1.69% | 4.10% | 0.03% | 0.01% |
| Q2 2024 | 9.84% | 1.76% | 4.17% | 0.03% | 0.01% |
| Q3 2024 | 10.09% | 1.91% | 4.20% | 0.03% | 0.01% |
| Q4 2024 | 10.31% | 1.66% | 4.32% | 0.03% | 0.01% |
| Q1 2025 | 9.94% | 1.66% | 4.76% | 0.07% | 0.05% |
| Q2 2025 | 10.12% | 1.80% | 4.56% | 0.07% | 0.07% |
| Q3 2025 | 10.49% | 1.91% | 4.70% | 0.06% | 0.03% |
| Q4 2025 | 10.40% | 1.79% | 4.53% | 0.06% | 0.02% |
| Q1 2026 | 10.29% | 1.85% | 4.54% | 0.05% | 0.07% |
| Q2 2026 | 10.21% | 1.94% | 4.56% | 0.09% | 0.00% |
First Commerce Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57465) · FFIEC NIC profile (RSSD 3153297)