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First Commerce Bank

$100M-$1B Specialty: Commercial TN FDIC cert 57465

Lewisburg, TN

6 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

First Commerce Bank has 4 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

  • + Credit Quality Leader: Top 5.0% in tier
  • + ROA 0.58% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Efficiency Ratio 18.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.0% in tier
  • - NIB Deposit Bleed: Bottom 34.8% in tier
  • - Credit Risk Growth: Bottom 47.5% in tier
Get updates when First Commerce Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $937.4M
+8.6% YoY +5.0% QoQ
+$551.3M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
Top 2.5% in tier
Total Loans ? $718.0M
+12.5% YoY +1.6% QoQ
+$462.3M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
Top 1.9% in tier
Total Deposits ? $829.6M
+8.2% YoY +5.4% QoQ
+$501.7M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
Top 1.4% in tier
Return on Assets ? 1.85%
+11.9% YoY +3.7% QoQ
+0.58% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
83%
Net Interest Margin ? 4.59%
+11.4% YoY +1.8% QoQ
+0.66% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
84%
Efficiency Ratio ? 46.80%
+5.8% YoY +0.1% QoQ
-18.48% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
Top 10.8% in tier
Delinquency Rate ? 0.08%
+32.1% YoY +32.0% QoQ
-0.81% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
76%
Loan-to-Deposit Ratio ? 86.55%
+4.0% YoY -3.6% QoQ
+9.91% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
31%
Non-Interest-Bearing Deposit Share ? 16.17%
-18.7% YoY +2.6% QoQ
-5.85% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
28%
Nonperforming Asset Ratio ? 0.06%
+36.9% YoY +27.7% QoQ
-0.58% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
75%
Tier 1 Capital Ratio ? 10.29%
+3.5% YoY -1.1% QoQ
-5.54% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
Bottom 13.4% in tier
Non-Interest Income / Assets ? 0.08%
-1.0% YoY -75.6% QoQ
-0.20% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
36%

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 (1)

Credit Quality Leader

growth
#34 of 664 • Top 5.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#79 of 1308 • Bottom 6.0% in tier

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

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#70 of 198 • Bottom 34.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.17%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#463 of 973 • Bottom 47.5% in tier

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

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

38
Total Deposits
size
Value: $829.63M
Peer Median: $327.97M
#38 of 2664 Top 1.4% in $100M-$1B
51
Total Loans
size
Value: $718.01M
Peer Median: $255.72M
#51 of 2664 Top 1.9% in $100M-$1B
67
Total Assets
size
Value: $937.41M
Peer Median: $386.08M
#67 of 2664 Top 2.5% in $100M-$1B
290
Efficiency Ratio
profitability
Value: 46.80%
Peer Median: 65.29%
#290 of 2664 Top 10.8% in $100M-$1B
419
Net Interest Margin
profitability
Value: 4.59%
Peer Median: 3.93%
#419 of 2664 Top 15.7% in $100M-$1B
449
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.27%
#449 of 2664 Top 16.8% in $100M-$1B
643
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.89%
#643 of 2654 Top 24.2% in $100M-$1B
654
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.64%
#654 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2307
Tier 1 Capital Ratio
capital
Value: 10.29%
Peer Median: 15.83%
#2307 of 2664 Bottom 13.4% in $100M-$1B
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