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 Lakewood, NJ against its peer group of 941 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 | 0.97% | 1.34% | -0.37% | 25th below |
| ROAE | 9.67% | 12.34% | -2.67% | 27th below |
| Net Interest Margin | 3.14% | 3.83% | -0.69% | 19th bottom |
| Efficiency Ratio | 61.54% | 58.97% | +2.57% | 39th below |
| PPNR / Avg Assets | 1.25% | — | — | 23rd bottom |
| Yield on Earning Assets | 5.94% | 5.71% | +0.23% | 74th above |
| Cost of Funds | 2.99% | 2.02% | +0.97% | 8th bottom |
| Net Interest Spread | 2.52% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.87% | -0.15% | 38th below |
| NPA / Total Assets | 0.92% | — | — | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.01% | — | — | 31st below |
| ACL / NPLs (Coverage) | 140.18% | — | — | 36th below |
| Texas Ratio | 8.71% | 5.48% | +3.23% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.17% | 14.99% | -3.82% | 12th bottom |
| Tier 1 Ratio | 11.17% | 15.02% | -3.85% | 12th bottom |
| Total Capital Ratio | 12.12% | — | — | 11th bottom |
| Leverage Ratio | 10.15% | 11.11% | -0.96% | 40th below |
| Equity / Assets | 9.80% | 11.02% | -1.22% | 38th below |
| TCE / Tangible Assets | 9.80% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.42% | 86.99% | +21.43% | 5th bottom |
| Core Deposit Ratio | 74.29% | 85.57% | -11.28% | 13th bottom |
| Uninsured Deposit Ratio | 33.67% | 33.19% | +0.48% | 43rd below |
| Wholesale Funding Ratio | 16.56% | — | — | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.30% | — | — | 87th top |
| Loan Growth (Y/Y) | 13.46% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 14.41% | — | — | 84th top |
See First Commerce Bank's peers by name
The 941 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.