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First Commerce Bank
Lakewood, NJ · FDIC Certificate #58054 · Chartered 01/3
Total assets
$1.96B
Total deposits
$1.44B
Total equity
$192.53M
Net loans
$1.55B
Branches (offices)
11
Net income (YTD)
$8.95M
Rank: #613 of 4,213 U.S. banks by assets · #19 of 49 in New Jersey. Assets changed 16.3% and deposits 14.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 9.69% |
| Net interest margin (YTD) | 3.10% |
| Equity to assets | 9.80% |
| Tier 1 leverage ratio | 10.15% |
| Uninsured deposits (share of deposits) | 33.7% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 107.3% |
| Real estate loans (share of loans) | 99.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.53B | 99.1% | |
| Commercial & industrial | $29.18M | 1.9% | |
| Consumer / individual | $352.00K | 0.0% | |
| Construction & development | $115.51M | 7.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.18B | $979.28M | $7.13M | $180.17M |
| Jun 2023 | $1.43B | $1.11B | $6.25M | $184.73M |
| Jun 2024 | $1.47B | $1.12B | $2.38M | $173.97M |
| Jun 2025 | $1.69B | $1.26B | $2.98M | $168.42M |
| Jun 2026 | $1.96B | $1.44B | $8.95M | $192.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $1.44B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.44B.
Similar-sized banks
Commonwealth Business Bank ($1.97B) · Planters Bank, Inc. ($1.96B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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