First Commerce Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on securities fell 0.66 percentage points from Q1 2026 to Q2 2026, ending at 5.03% against 5.69%. It was the largest change among the key lines on this page. Within New Jersey, First Commerce Bank is 28th of 49 on net interest margin, 3.14% as of Q2 2026. First Commerce Bank reported 3.14% on net interest margin for Q2 2026, 0.57 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | 6.22% |
| Yield on securities | 5.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.31% |
| Cost of interest-bearing liabilities | 3.42% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.4M |
| Total interest expense | $12.8M |
| Interest expense on deposits | $9.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.43% | 2.93% | 2.76% | 5.57% | 3.00% |
| Q4 2023 | 5.47% | 3.27% | 2.53% | 5.61% | 3.15% |
| Q1 2024 | 5.50% | 3.44% | 2.38% | 5.64% | 3.28% |
| Q2 2024 | 5.62% | 3.62% | 2.37% | 5.75% | 3.75% |
| Q3 2024 | 5.69% | 3.53% | 2.36% | 5.82% | 4.06% |
| Q4 2024 | 5.46% | 3.46% | 2.21% | 5.60% | 4.19% |
| Q1 2025 | 5.45% | 3.39% | 2.30% | 5.59% | 4.91% |
| Q2 2025 | 5.57% | 3.36% | 2.43% | 5.70% | 5.16% |
| Q3 2025 | 5.84% | 3.46% | 2.67% | 5.98% | 5.45% |
| Q4 2025 | 6.12% | 3.23% | 3.06% | 6.32% | 5.48% |
| Q1 2026 | 5.81% | 3.03% | 3.01% | 5.97% | 5.69% |
| Q2 2026 | 5.94% | 2.99% | 3.14% | 6.22% | 5.03% |
First Commerce Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce Bank, freeSource: Call Report Schedules RI and RC-K, 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)