BlastPoint's Banking Scorecard

First Commerce Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 57273

Marysville, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +3.8% year over year ($120.6M on the books).
Delinquency rate 0.26%.
Return on assets 1.75%.
Efficiency ratio 55.32% vs a 64.48% peer average.
Loan-to-deposit ratio 93.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

First Commerce Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.43% above tier average
+ Efficiency Ratio 9.16% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 19.3% in tier
- Credit Quality Pressure: Bottom 20.5% in tier
- Liquidity Strain: Bottom 28.5% in tier

Get updates when First Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$138.5M +1.1% YoY -1.2% QoQ	-$248.1M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 10.8% in tier
Total Loans ?	$112.2M +5.4% YoY +2.4% QoQ	-$146.1M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$120.6M +3.8% YoY -2.5% QoQ	-$206.2M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 12.1% in tier
Return on Assets ?	1.75% +22.3% YoY +8.1% QoQ	+0.43%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.95% +5.8% YoY +2.6% QoQ	-0.03%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	55.32% -3.3% YoY -3.6% QoQ	-9.16%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	0.26% +50.5% YoY +25.1% QoQ	-0.66%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	93.09% +1.6% YoY +5.0% QoQ	+15.14%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	17.93% -9.7% YoY -2.9% QoQ	-4.10%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.21% -17.3% YoY +29.6% QoQ	-0.46%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	11.79% +9.7% YoY +1.5% QoQ	-4.11%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.11% +26.8% YoY +120.4% QoQ	-0.45%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	17.9% -1.9pp YoY -0.5pp QoQ	-4.2pp	22.1%	22.3%	22.2%	36%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	11.1% -0.3pp YoY -0.5pp QoQ	-0.5pp	11.6%	12.6%	12.5%	59%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	36.5% -0.7pp YoY -0.5pp QoQ	+3.9pp	32.6%	26.7%	31.3%	64%
Consumer	4.5% -0.9pp YoY -0.3pp QoQ	+0.4pp	4.1%	4.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	11.8% +1.0pp YoY +0.2pp QoQ	-0.4pp	12.2%	12.6%	12.6%	62%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	14 0 YoY 0 QoQ	-45	58	70	482	3%
Assets per Employee ($)	$9.9M +1.1% YoY -1.2% QoQ	+$2.4M	$7.5M	$7.1M	$8.8M	85%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	35%
Allowance Coverage	3.92x -32.9% YoY -21.6% QoQ	-20.23x	24.15x	22.44x	20.23x	64%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	15.1% +1.3pp YoY +1.0pp QoQ	+2.9pp	12.2%	14.3%	11.6%	68%
Cost of Funds (YTD)	1.6% +0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$1.2M +24.9% YoY — QoQ	-$1.3M	$2.6M	$3.7M	$40.4M	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#182 of 936 • Bottom 19.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#259 of 1256 • Bottom 20.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#198 of 691 • Bottom 28.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

588

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.32%

#588 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (5 metrics)

2359

Total Assets

size

Value: $138.49M

Peer Median: $386.57M

#2359 of 2643 Bottom 10.8% in $100M-$1B

2325

Total Deposits

size

Value: $120.58M

Peer Median: $326.73M

#2325 of 2643 Bottom 12.1% in $100M-$1B

2113

Loan-to-Deposit Ratio

liquidity

Value: 93.09%

Peer Median: 77.95%

#2113 of 2643 Bottom 20.1% in $100M-$1B

2040

Total Loans

size

Value: $112.25M

Peer Median: $258.35M

#2040 of 2643 Bottom 22.9% in $100M-$1B

2020

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2020 of 2643 Bottom 23.6% in $100M-$1B