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First Commerce Bank

$1B-$10B Specialty: Commercial NJ FDIC cert 58054

Designations: ✓ Community bank

Lakewood, NJ

11 branches across NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ
View $1B-$10B leaderboard (NJ) →

First Commerce Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 23.98% above tier average
  • - ROA 0.40% below tier average
  • - Net Interest Margin 0.79% below tier average
  • - Efficiency Ratio 3.75% above tier average
Get updates when First Commerce Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $1.8B
+15.1% YoY +1.5% QoQ
-$995.2M $2.8B
-0.1% YoY
$4.1B
+2.0% YoY
$6.2B
+9.1% YoY
45%
Total Loans ? $1.5B
+17.0% YoY +3.5% QoQ
-$512.9M $2.0B
+0.6% YoY
$3.1B
+1.9% YoY
$3.2B
+10.8% YoY
52%
Total Deposits ? $1.3B
+10.8% YoY -0.2% QoQ
-$1.0B $2.3B
-0.3% YoY
$3.3B
+2.8% YoY
$4.8B
+8.2% YoY
38%
Return on Assets ? 0.96%
+118.3% YoY +88.2% QoQ
-0.40% 1.37%
+19.6% YoY
0.42%
-40.1% YoY
1.23%
+13.4% YoY
30%
Net Interest Margin ? 3.03%
+30.4% YoY +14.4% QoQ
-0.79% 3.82%
+6.9% YoY
3.07%
+6.4% YoY
3.89%
+5.7% YoY
18%
Efficiency Ratio ? 64.81%
-16.6% YoY -10.1% QoQ
+3.75% 61.06%
-4.6% YoY
81.63%
+9.7% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 0.79%
-74.3% YoY +4.8% QoQ
-0.10% 0.89%
+14.1% YoY
0.74%
-28.2% YoY
0.95%
+18.8% YoY
36%
Loan-to-Deposit Ratio ? 108.18%
+5.6% YoY +3.7% QoQ
+23.98% 84.20%
+0.3% YoY
82.02%
-3.5% YoY
76.70%
+0.9% YoY
Bottom 5.2% in tier
Non-Interest-Bearing Deposit Share ? 14.50%
+0.9% YoY -7.8% QoQ
-6.79% 21.29%
-2.5% YoY
16.85%
-1.4% YoY
22.01%
-1.2% YoY
26%
Nonperforming Asset Ratio ? 1.01%
-57.9% YoY +3.6% QoQ
+0.33% 0.67%
+15.6% YoY
0.57%
-26.7% YoY
0.67%
+19.3% YoY
20%
Tier 1 Capital Ratio ? 11.48%
-5.6% YoY +2.2% QoQ
-3.68% 15.16%
+2.0% YoY
20.47%
+20.0% YoY
17.06%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.05%
-37.3% YoY -72.2% QoQ
-0.21% 0.26%
+1.6% YoY
0.39%
-6.4% YoY
0.32%
+4.1% YoY
Bottom 10.6% in tier

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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

839
Loan-to-Deposit Ratio
liquidity
Value: 108.18%
Peer Median: 84.20%
#839 of 884 Bottom 5.2% in $1B-$10B
791
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.26%
#791 of 884 Bottom 10.6% in $1B-$10B
722
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.82%
#722 of 884 Bottom 18.4% in $1B-$10B
706
Nonperforming Asset Ratio
credit_quality
Value: 1.01%
Peer Median: 0.67%
#706 of 884 Bottom 20.2% in $1B-$10B
678
Tier 1 Capital Ratio
capital
Value: 11.48%
Peer Median: 15.16%
#678 of 884 Bottom 23.4% in $1B-$10B
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