First Commerce Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.3% to $1.73B. First Commerce Bank has the 4th lowest CET1 ratio of the 37 banks headquartered in New Jersey, at 11.17% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. First Commerce Bank sits 2.32 points lower, at 11.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.17% |
| Tier 1 risk-based capital ratio | 11.17% |
| Total risk-based capital ratio | 12.12% |
| Tier 1 leverage ratio | 10.15% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $193.2M |
| Tier 1 capital | $193.2M |
| Total risk-based capital | $209.5M |
| Total equity capital | $192.5M |
| Risk-weighted assets | $1.73B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
| Equity capital to average assets | 10.12% |
| Internal capital growth rate | 9.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $47.6M |
| Common stock surplus | $51.3M |
| Retained earnings | $94.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$639K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.78% | 12.78% | 14.04% | 11.65% | $1.30B |
| Q4 2023 | 13.54% | 13.54% | 14.73% | 12.02% | $1.27B |
| Q1 2024 | 13.58% | 13.58% | 14.77% | 12.07% | $1.27B |
| Q2 2024 | 13.33% | 13.33% | 14.52% | 11.95% | $1.31B |
| Q3 2024 | 12.73% | 12.73% | 13.90% | 11.44% | $1.32B |
| Q4 2024 | 12.98% | 12.98% | 14.17% | 11.31% | $1.30B |
| Q1 2025 | 12.16% | 12.16% | 13.29% | 10.74% | $1.38B |
| Q2 2025 | 11.27% | 11.27% | 12.35% | 10.42% | $1.50B |
| Q3 2025 | 11.12% | 11.12% | 12.20% | 10.01% | $1.54B |
| Q4 2025 | 11.23% | 11.23% | 12.32% | 10.14% | $1.55B |
| Q1 2026 | 11.48% | 11.48% | 12.48% | 10.51% | $1.64B |
| Q2 2026 | 11.17% | 11.17% | 12.12% | 10.15% | $1.73B |
First Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce Bank, freeSource: Call Report Schedule RC-R, 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 58054) · FFIEC NIC profile (RSSD 3404373)