# FIRST COMMERCE BANK
MARYSVILLE, KS · FDIC certificate 57273 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $138.5M | |
| Deposits | $120.6M | |
| Loans and leases | $113.4M | |
| Total equity | $16.4M | |
| Loans / deposits | 93.09% (p84 of band) | 73.59% |
| Liquid assets / assets | 16.31% (p14 of band) | |
| Uninsured deposits / deposits | 26.43% (p73 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.79% (p50 of band) | 11.76% |
| Unrealized securities loss / equity | -7.30% (p48 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.17% |
| Net interest margin | 3.95% (p51 of band) | 3.93% |
| Efficiency ratio | 55.32% (p23 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 392.47% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 5.26% (p30 of band) | |
| Auto loans | $3.0M (2.67% of loans; DQ 0.26%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 | loans exceed deposits | capital falling |
| 2012-12 | 0 |  | loans exceed deposits |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 2 | liquid assets <10% |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking | liquid assets <10% |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 3 | liquid assets <10% |  |
| 2014-12 | 1 |  | wholesale funding >15%, liquid assets <10% |
| 2015-03 | 2 | liquid assets <10% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | wholesale funding >15% |  |
| 2015-12 | 3 | capital falling | liquid assets <10% |
| 2016-03 | 2 |  | wholesale funding >15% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | liquid assets <10% |  |
| 2017-03 | 1 |  | liquid assets <10% |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [FIS Expands Community Banking Reach With First Commerce Bank Deal - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWW1WTC1BV01yeXFnYlA1WV9lUEJJci10ZWZxSXp4TkhWQ0JxTzdyX25XekkyamZyQlNoRV9zTHNCVjZWREVIYVY1eGE1RVJDVHNJVjV6bW11ZUpUV09uR2hSTU1uX3NMSmRObmZNQjBGQnB1YURsS01RSm5MVWFZRS1vd3JMU1RDbmNPVV9URmZPWjd3NktUdHh2SUFkbGZ2?oc=5) · Yahoo Finance
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2021-09-29 [William Wood Obituary (2021) - Anderson, SC - Anderson Independent-Mail - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxOc2NmSjdUV1FEUVlzbG5IUHdxdmo1SFhwMHBiaTFQbFNUWmFXUlpuWkRtcHlRdHJmUXROOHNWbXo1ejVzSm1Pd1VUeXM2elNqMEpnYVYxNloyQ1VCbDVhSUlmZTA2OExOX2tWakNRSHZpcm1ob0EzZmhhY3hYa3NJa01DNzRyU2FtaFlVOXktRWgwZTNx?oc=5) · Legacy obituary
- 2023-03-07 [Why You Need To Close Your Unused Bank Accounts - Yahoo Finance](https://news.google.com/rss/articles/CBMiggFBVV95cUxORDRRbm9rQ01IRkJMSEtTNDJhbFFvaWNydHJncGg4b0ZXZno3bmZFdm1mMjNyclBudFdfbGtIR1g1WS1RRTFJTGhJYzV5dnhEV2l4Zkdoa2gwOVlLRlVwNXMxZ1FFbnNmX3lTRXljWGxMWWJEeE12VHpsYzBxRkxQNU1n?oc=5) · Yahoo Finance
- 2007-11-21 [First of a Series: A diamond in the rough | Archives - Star Beacon](https://news.google.com/rss/articles/CBMixAFBVV95cUxPOEVDVDN0a2hGeDZMYm54SUxOSkNhRTdnNTN1bVhiRjFxcC11Y1ZlT1JrVFNlcVlwZ05zamMyUGYxYVk2ci1qYnY5TE9DZ3doZnhvSTR3dEpnR1RpMVEwQmg3TzdxWi1FTGszS2JQbjlzalVuVmhOUkd5SnloelRCT25IdHQ5MTBQLW9TVDlsdFZTLTZPQk9WZ2VFd2RsdVNBdWhvSm11TFloRzF2UjU3UFd4YjFyX2hDRnlYUUtDbTFpMWpp?oc=5) · Star Beacon
- 2004-01-10 [Gerald Meyer Obituary (2004) - Marysville, KS - Beatrice Daily Sun - Legacy obituary](https://news.google.com/rss/articles/CBMimgFBVV95cUxNNEVSOE5KT1pIdW9XZXcyYS1Mdmd2NGltNUlYc2pMa3JCTGxEZWtKem01d0hXUUh0OVJsdERXTUZUWkM0NXZnc3VHeG05QVk2cFpwWFFYVUFYLXZ2Y0EzZzhzZFBxNzJ1VS1zdmR0YnBINFFUV3QtRGpwRzBoeXVNZS0yN3dlX3gyRS1ZWGlTY0lLSkgxdGNnR0VR?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57273 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "57273", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide