# FIRST COMMERCE BANK
LEWISBURG, TN · FDIC certificate 57465 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (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 | $935.1M | |
| Deposits | $824.8M | |
| Loans and leases | $717.5M | |
| Total equity | $98.5M | |
| Loans / deposits | 86.24% (p62 of band) | 82.04% |
| Liquid assets / assets | 18.15% (p25 of band) | |
| Uninsured deposits / deposits | 31.96% (p72 of band) | 25.97% |
| Brokered deposits | 1.55% | |
| Wholesale funding | 1.55% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -3.37% (p70 of band) | -8.10% |
| AOCI / equity | -0.08% (p68 of band) | |
| ROA (annualized) | 1.91% (p84 of band) | 1.28% |
| Net interest margin | 4.64% (p86 of band) | 3.91% |
| Efficiency ratio | 45.79% (p11 of band) | |
| Noncurrent loans | 0.08% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 1073.39% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 157.85% (p97 of band) | |
| Auto loans | $12.2M (1.70% of loans; DQ 0.93%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 104 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | construction >100% equity |
| 2019-09 | 1 | construction >100% equity | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 |  |  |

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

- 2025-08-14 [FIRST COMMERCE BANK TO BREAK GROUND ON MAJOR CAMPUS EXPANSION - Shelbyville Times-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVkFYd2JaT2ctUkd0dGI5SFZBbmdvcUtwZmhSVF9ncFBJaE9zbGNibGlNcGNVM3lWLVBNTFZRakNZMmktcVpaaHp0Rk91ZHlGSGlIQV96Nk9ZVXdLalhXRFN4RzBXT1VVZFdsNjN4ZzkxX2FnTnpMd1FuX0EtTWl5N29XUXVGOVlVWHBuQlZDemNxUDhoSWlta3V5Wm0?oc=5) · Shelbyville Times-Gazette
- 2024-11-14 [First Commerce Bank to Acquire Peoples Bank of Middle Tennessee, Shelbyville - Shelbyville Times-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxNbGM2SWJNbXhvd3psZzlQaEVOS2FxdlZXUHh6RFdSV1AtaWFCVFZmMGhaQ2dELUY1QVpodUhrNHFhYnRackhsWDJLNGZHYk53ZkxjbVdzQ2xVM3NqS1Rma0wwUzFYTW9zSHN6T0FJTTk5bTBTVHFpdHZ2TlFJMUtrQm0xdk5KNTFnTWM4XzdJb2ZsTzdHU0pGMzVJa0x6NTNBaGVFRE82UkJmcS1OYl8w?oc=5) · Shelbyville Times-Gazette
- 2014-07-19 [Local banker lauded - columbiadailyherald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNnpPQ0ZiTmFic21CeG1qZllzU2gwSElWa09nYlhkc0ZTMVVRSzJ3MExWblowZC16WmtfSGNseG50Z3dZLVFQSXB1SFBkWjlBNjhtTkV5ZERENDlNdU11YjFtRjFMNnlZcHY2RmxzR295ZHBUQ2p3bXZpZzQ3NnJPcndXRWZPeFRWUGNkcElTM1V4WWgwOXptVDVVZTM?oc=5) · columbiadailyherald.com
- 2024-11-15 [Chris Thrasher Obituary Nov 15, 2024 - lawrencefuneral.net](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBuUl9RRERISU1Wem1MTXlVNFhtSUVydUJfdVdKc0VyU3g5ejYtaUw0RHYzaXR4dElyVmdQWkIxcDM1c1RESkFVSG5Jdk9RSUE2ZUQ2VEdhb1I5eVh6cjNCaTAtVWtoY3JI?oc=5) · lawrencefuneral.net
- 2012-01-26 [Thomas Hawkins, Iii Obituary Jan 26, 2012 - Bills-McGaugh & Hamilton Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiakFVX3lxTFBWLU1kWUNyanhadXFQcFlqQWdHLV9zR2lpODZoRzdwQ3UyLUpxQjRiOXQ5RkNuRE1yVFJiTnp2UjN3YzVQem1sb3VJUGVuSHJDV0RsNmdrZ2VUUUMtZlBwbXNFaGtSS1hyeHc?oc=5) · Bills-McGaugh & Hamilton Funeral Home & Crematory
- 2015-06-22 [Tennessee Bankers Association Elects New Leadership - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbk5pLUZsODUwWE1weWYtNGdTYU1mb2VaZ1F6eG1sWHhKX051YmVqSXlHbUh4cHFSemh1MGgzNUNzVXpCMENwbW40d0wyM0JUZjhHaFV4dWRMTU5ybExxQTFSWHg4ZlBiLU0zdFYwXzZtYzZyalhhZEhtU0pIMEdFczZ0ZGlXN25vTEJJYlgxMmk?oc=5) · Chattanoogan.com Breaking News
- 1983-08-12 [Tenth Tennessee bank fails - upi.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONC00YWg0RmI1R1JDSkp1SUFFcUk5X3VGWkw5cjA4Sm5Kc3ZZM0pPdXNHNHFWLWl6aTYtNWFpTGhEQklaNzMxYWtPZ2RsWE5VdUdjalp1ZVNKYkI0NjFGcGhmOUlETTZRUTBrMjBSV2h6NGttYzVBaWl6aV9HdlFtX29uZ1NBdFFi0gGOAUFVX3lxTE1vbGU2YVpEUEZJYzFYOGNXODV1LXhZNDFYeV9ibzhyTHdrU1pxOTVic3VWeFRtbURCaEsyN1hnSDN3YU9EZXkxeS15bVR4MFUtTURhaUZZay02VmMxRlFfeFNvZlUwdm5nWElPZkR3a2w5MTFxZ0pjUWFsdmlWTG1MaE1YZ3lickhPeFpNOGc?oc=5) · upi.com
- 2022-12-23 [Derrick Werner Obituary Dec 23, 2022 - lawrencefuneral.net](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBERm9pM0xOVURKQ0tZZGctZDBFV3lWTmp2dW9GS2R3VGtPaDZDeXhRRXpNVUJYV2ZQQlhyZTdXaTYxX2FxN2pIWDh6d3ZmazV3eTk1RDhPWEQxTkUxYU5lUFVSYzJ0X2U2?oc=5) · lawrencefuneral.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57465 (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 "57465", 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