First Commerce Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 23.27 percentage points in Q2 2026, from 439.65% to 462.91%. It was the largest change from Q1 2026 among the key lines here. First Commerce Bank ranks 6th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 108.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Commerce Bank sits 20.22 points higher, at 108.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.56B |
| Net loans and leases | $1.55B |
| Loans held for sale | $0 |
| Loans to total assets | 79.46% |
| Loan-to-deposit ratio | 108.42% |
| Net loans to equity capital | 8.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 71.04% |
| Multifamily (5+ residential) | 6.66% |
| Commercial and industrial | 1.87% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 462.91% |
| Construction concentration (Tier 1 capital + allowance) | 55.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $23.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.26B | $1.14B | 65.08% | 2.63% | 0.00% |
| Q4 2023 | $1.25B | $1.12B | 65.87% | 2.56% | 0.01% |
| Q1 2024 | $1.24B | $1.12B | 66.85% | 2.58% | 0.02% |
| Q2 2024 | $1.26B | $1.12B | 67.24% | 2.52% | 0.03% |
| Q3 2024 | $1.26B | $1.11B | 67.64% | 2.46% | 0.05% |
| Q4 2024 | $1.24B | $1.19B | 68.69% | 2.44% | 0.03% |
| Q1 2025 | $1.26B | $1.21B | 68.39% | 2.27% | 0.05% |
| Q2 2025 | $1.38B | $1.26B | 68.26% | 2.14% | 0.06% |
| Q3 2025 | $1.40B | $1.29B | 73.53% | 2.15% | 0.03% |
| Q4 2025 | $1.42B | $1.34B | 72.88% | 2.16% | 0.03% |
| Q1 2026 | $1.47B | $1.34B | 72.10% | 2.08% | 0.04% |
| Q2 2026 | $1.56B | $1.44B | 71.04% | 1.87% | 0.02% |
First Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce Bank, freeSource: Call Report Schedule RC-C, 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)