First Commerce Bank (Lakewood, NJ)
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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 Lakewood, NJ, established in 2006 (FDIC certificate 58054), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.96B, up 16.3% from Q2 2025, the 19th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 11.17% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58054
- Headquarters
- Lakewood, NJ
- Established
- 2006
- Total assets, Q2 2026
- $1.96B
- Assets vs Q2 2025
- +16.3%
- CET1 ratio, Q2 2026
- 11.17%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 021214082
- Latest call report
- Q2 2026, FFIEC 051 · First Commerce Bank call report
- Holding company
- FIRST COMMERCE BANCORP, INC
- Asset rank in state
- 19th of 49 in New Jersey
First Commerce Bank pays more for its money than most banks of its size. It reported $2.0 billion in assets at June 30, 2026, up 16.3% from a year earlier. It pays an average of 2.99% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 4.6 times its capital, about double the median of 2.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.72% of loans from 1.30%. Where it has less room is capital: it holds common equity equal to 11.17% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, First Commerce Bank reported a CET1 capital ratio of 11.17%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 8.71%. The figures come from its call report filed with the FFIEC.
First Commerce Bank ranks as the 19th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.9% to $1.96B, loans rose 6.4% and deposits rose 7.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 47.6% of total loans, ahead of owner-occupied commercial real estate loans at 23.5%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in NJ; its Lakewood 2 offices book 42% of its branch deposits. Judged on its Q2 2026 call report, First Commerce Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 River Ave, Lakewood, NJ 08701
- County
- Ocean
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 30, 2006
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 166
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $15.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.90B
- Average total loans
- $1.51B
- Average interest-bearing deposits
- $1.19B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 30, 2006
- FDIC Cert
- 58054
- Fed RSSD
- 3404373
- SEC CIK
- 2105285 → filed by FIRST COMMERCE BANCORP, INC
- Website
- http://www.firstcommercebk.com →
- Parent Holding Company
- FIRST COMMERCE BANCORP, INC (RSSD 5809066)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Commerce Bank's total assets ranged from $1.43B (Q3 2023) to $1.96B (Q2 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
$1.96B total assets against $1.69B; $1.77B total liabilities against $1.52B.
$1.55B net loans and leases against $1.36B; $1.44B total deposits against $1.26B.
$202.7M securities against $180.2M; $102.2M cash and balances due against $67.6M.
$27.1M total interest income against $21.7M; $12.8M total interest expense against $12.3M.
$14.3M net interest income against $9.5M.
$1.1M total noninterest income against $549K; $9.5M total noninterest expense against $7.7M.
$67K provision for credit losses against $712K.
$4.6M net income against $1.2M.
0.97% return on assets against 0.31%; 3.14% net interest margin against 2.43%.
11.17% CET1 capital ratio against 11.27%; 10.15% tier 1 leverage ratio against 10.42%.
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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Commerce Bank rankings
Its closest position to the top of a national ranking is 605 of 4,196, for total assets; its furthest is 1,919 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.30% (Q4 2024) to 0.97% (Q1 2026) and its net interest margin ran from 2.21% (Q4 2024) to 3.14% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.17% | 0.97% | 0.72% | 8.71% | 3.14% |
| Q1 2026 | 11.48% | 0.97% | 0.78% | 9.01% | 3.01% |
| Q4 2025 | 11.23% | 0.76% | 0.74% | 9.18% | 3.06% |
| Q3 2025 | 11.12% | 0.53% | 0.89% | 10.34% | 2.67% |
| Q2 2025 | 11.27% | 0.31% | 1.30% | 9.75% | 2.43% |
| Q1 2025 | 12.16% | 0.44% | 3.02% | 20.81% | 2.30% |
| Q4 2024 | 12.98% | 0.30% | 3.03% | 20.45% | 2.21% |
| Q3 2024 | 12.73% | 0.34% | 1.15% | 7.85% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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) | Lakewood , NJ | 08701 | $536.5M |
| Closter Branch | Closter , NJ | 07624 | $161.3M |
| Freehold Branch Office | Freehold , NJ | 07728 | $132.2M |
| First Commerce Bank Branch | Jackson , NJ | 08527 | $101.5M |
| Fairfield Branch | Fairfield , NJ | 07004 | $101.2M |
| Allentown Branch | Allentown , NJ | 08501 | $94.5M |
| Englewood Branch | Englewood , NJ | 07631 | $82.1M |
| Bordentown Branch | Bordentown , NJ | 08505 | $65.8M |
| Lakewood - Avenue of the States Branch | Lakewood , NJ | 08701 | $62.6M |
| Robbinsville Branch Office | Robbinsville , NJ | 08691 | $51.6M |
| Teaneck Branch | Teaneck , NJ | 07666 | $50.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NJ, rank 35 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 20 loans originated, $31.2M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.8M approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $1.96 billion in its FFIEC call report.
Where is First Commerce Bank headquartered?
It is headquartered in Lakewood, NJ, United States.
When was First Commerce Bank founded?
It was established in 2006, per the FDIC institution directory.
Is First Commerce Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58054). 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.
What is First Commerce Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.17% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Commerce Bank operate?
It operates 11 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 8.71% 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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