BlastPoint's Banking Scorecard
First Commerce Bank
Marysville, KS
2 branches across KS
First Commerce Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Efficiency Ratio 7.89% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 29.8% in tier
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.2M
+2.6% YoY
+1.7% QoQ
|
-$245.9M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$109.6M
+7.8% YoY
-0.2% QoQ
|
-$146.1M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$123.7M
+0.9% YoY
+1.8% QoQ
|
-$204.3M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.0% in tier |
| Return on Assets ? |
1.62%
+15.0% YoY
+8.6% QoQ
|
+0.35% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.85%
+6.7% YoY
+1.4% QoQ
|
-0.08% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
57.39%
-2.8% YoY
+1.1% QoQ
|
-7.89% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.21%
-6.4% YoY
+21.6% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
88.62%
+6.8% YoY
-2.0% QoQ
|
+11.98% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
18.46%
-22.5% YoY
+0.5% QoQ
|
-3.56% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.16%
-43.2% YoY
-29.7% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
11.62%
+8.0% YoY
+3.0% QoQ
|
-4.21% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.05%
+22.7% YoY
-67.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.