BlastPoint's Banking Scorecard
First Commerce Bank
Designations: ✓ Community bank
Lakewood, NJ
11 branches across NJ
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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
- Deposits +14.4% year over year ($1.4B on the books).
- Delinquency rate 0.72%.
- Return on assets 0.96%.
- Efficiency ratio 63.09% vs a 59.73% peer average.
- Loan-to-deposit ratio 107.33% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Commerce Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.30% above tier average
- - ROA 0.43% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 3.36% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+16.3% YoY
+7.9% QoQ
|
-$828.3M |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$1.5B
+13.6% YoY
+6.5% QoQ
|
-$417.6M |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$1.4B
+14.4% YoY
+7.3% QoQ
|
-$878.8M |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.96%
+159.9% YoY
-0.1% QoQ
|
-0.43% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
3.10%
+30.9% YoY
+2.6% QoQ
|
-0.77% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
63.09%
-18.4% YoY
-2.7% QoQ
|
+3.36% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
0.72%
-44.9% YoY
-7.7% QoQ
|
-0.14% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
107.33%
-0.7% YoY
-0.8% QoQ
|
+22.30% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.64%
+0.8% YoY
+1.0% QoQ
|
-6.63% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.92%
-12.9% YoY
-8.4% QoQ
|
+0.25% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
11.17%
-0.8% YoY
-2.7% QoQ
|
-3.67% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.10%
-5.3% YoY
+100.4% QoQ
|
-0.42% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.6%
+0.1pp YoY +0.1pp QoQ |
-6.7pp | 21.4% | 16.6% | 22.2% | 25% |
| Brokered Deposits |
14.2%
+0.6pp YoY +1.9pp QoQ |
+4.8pp | 9.5% | 10.1% | 8.5% | 80% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.9%
-0.3pp YoY -0.2pp QoQ |
-12.1pp | 14.0% | 6.5% | 12.5% | 5% |
| CRE |
86.0%
+0.9pp YoY -0.2pp QoQ |
+35.9pp | 50.0% | 56.3% | 41.4% | 98% |
| 1-4 Family |
12.9%
-0.5pp YoY +0.4pp QoQ |
-13.5pp | 26.4% | 39.4% | 31.3% | 24% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.3% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
-0.1pp YoY -0.3pp QoQ |
-4.4pp | 15.6% | 18.8% | 19.7% | 12% |
| Leverage Ratio |
10.2%
-0.3pp YoY -0.4pp QoQ |
-1.2pp | 11.3% | 13.4% | 12.6% | 40% |
| Total Capital Ratio |
12.1%
-0.2pp YoY -0.4pp QoQ |
-4.6pp | 16.7% | 19.8% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
166
+2 (+1.2%) YoY +1 (+0.6%) QoQ |
-148 | 313 | 336 | 482 | 29% |
| Assets per Employee ($) |
$11.8M
+14.9% YoY +7.3% QoQ |
+$1.4M | $10.5M | $11.2M | $8.8M | 77% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 20 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.6pp YoY -0.1pp QoQ |
-0.1pp | 0.8% | 0.8% | 1.0% | 63% |
| Allowance Coverage |
1.40x
+64.9% YoY +2.8% QoQ |
-17.31x | 18.71x | 6.57x | 20.23x | 36% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+6.1pp YoY +0.1pp QoQ |
-2.9pp | 12.6% | 6.4% | 11.6% | 31% |
| Cost of Funds (YTD) |
2.8%
-0.3pp YoY 0.0pp QoQ |
+0.9pp | 1.9% | 1.9% | 1.7% | 93% |
| Net Income ($, YTD) |
$9.0M
+200.7% YoY — QoQ |
-$10.3M | $19.2M | $19.8M | $40.4M | 34% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.