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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.88 percentage points higher than in Q1 2026, at 140.18%. Within New Jersey, First Commerce Bank is 17th of 49 on return on assets, 0.97% as of Q2 2026. First Commerce Bank reported 0.97% on return on assets for Q2 2026, 0.31 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.17% |
| Tier 1 risk-based capital ratio | 11.17% |
| Total risk-based capital ratio | 12.12% |
| Tier 1 leverage ratio | 10.15% |
| Equity capital to assets | 9.80% |
| Tangible equity to tangible assets | 9.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.71% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 140.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.97% |
| Return on equity | 9.67% |
| Net interest margin | 3.14% |
| Efficiency ratio | 61.54% |
| Yield on earning assets | 5.94% |
| Cost of funds | 2.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.42% |
| Core deposits to total deposits | 74.29% |
| Brokered deposits to total deposits | 14.24% |
| Deposits to assets | 73.29% |
| Securities to assets | 10.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.78% | 12.78% | 14.04% | 11.65% | 0.50% |
| Q4 2023 | 13.54% | 13.54% | 14.73% | 12.02% | 1.65% |
| Q1 2024 | 13.58% | 13.58% | 14.77% | 12.07% | 0.34% |
| Q2 2024 | 13.33% | 13.33% | 14.52% | 11.95% | 0.32% |
| Q3 2024 | 12.73% | 12.73% | 13.90% | 11.44% | 0.34% |
| Q4 2024 | 12.98% | 12.98% | 14.17% | 11.31% | 0.30% |
| Q1 2025 | 12.16% | 12.16% | 13.29% | 10.74% | 0.44% |
| Q2 2025 | 11.27% | 11.27% | 12.35% | 10.42% | 0.31% |
| Q3 2025 | 11.12% | 11.12% | 12.20% | 10.01% | 0.53% |
| Q4 2025 | 11.23% | 11.23% | 12.32% | 10.14% | 0.76% |
| Q1 2026 | 11.48% | 11.48% | 12.48% | 10.51% | 0.97% |
| Q2 2026 | 11.17% | 11.17% | 12.12% | 10.15% | 0.97% |
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 58054) · FFIEC NIC profile (RSSD 3404373)