# FIRST COMMERCE BANK
LAKEWOOD, NJ · FDIC certificate 58054 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.96B | |
| Deposits | $1.44B | |
| Loans and leases | $1.56B | |
| Total equity | $192.5M | |
| Loans / deposits | 107.33% (p94 of band) | 87.10% |
| Liquid assets / assets | 15.51% (p25 of band) | |
| Uninsured deposits / deposits | 33.67% (p58 of band) | 30.76% |
| Brokered deposits | 10.44% | |
| Wholesale funding | 27.00% (p94 of band) | |
| FHLB advances / assets | 15.50% | |
| Tier 1 leverage | 10.15% (p41 of band) | 10.50% |
| Unrealized securities loss / equity | -0.72% (p90 of band) | -7.75% |
| AOCI / equity | -0.24% (p54 of band) | |
| ROA (annualized) | 0.96% (p28 of band) | 1.26% |
| Net interest margin | 3.10% (p20 of band) | 3.70% |
| Efficiency ratio | 63.09% (p63 of band) | |
| Noncurrent loans | 0.72% (p63 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 140.18% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 59.99% (p63 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 14.4% | |
| Employees | 166 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 4 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  | expense ratio p90, reserve under noncurrent |
| 2012-03 | 0 |  | losing money, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | loans exceed deposits |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | construction >100% equity |  |
| 2013-09 | 1 |  | capital falling, construction >100% equity |
| 2013-12 | 1 | construction >100% equity | loans exceed deposits |
| 2014-03 | 3 | loans exceed deposits, capital falling |  |
| 2014-06 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 | reserve under noncurrent | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | capital falling, charge-offs p90 |  |
| 2017-06 | 7 | noncurrent p90 |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 6 |  | capital falling |
| 2018-03 | 4 |  | liquid assets <10%, charge-offs p90 |
| 2018-06 | 4 | charge-offs p90 | loans exceed deposits |
| 2018-09 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-12 | 3 |  | construction >100% equity, deposits shrinking |
| 2019-03 | 4 | charge-offs p90, uninsured deposits leaving | assets shrinking |
| 2019-06 | 4 |  |  |
| 2019-09 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | noncurrent p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | noncurrent p90 |  |
| 2022-06 | 2 | loans exceed deposits |  |
| 2022-09 | 3 | liquid assets <10% |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 2 |  | noncurrent p90, liquid assets <10% |
| 2023-06 | 3 | noncurrent p90 |  |
| 2023-09 | 3 | liquid assets <10% | noncurrent p90 |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2024-03 | 5 | wholesale funding >15%, NIM <2.5% | liquid assets <10% |
| 2024-06 | 4 |  | noncurrent p90 |
| 2024-09 | 4 | capital falling | reserve under noncurrent |
| 2024-12 | 7 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 6 |  | noncurrent p90 |
| 2025-09 | 3 |  | NIM <2.5%, brokered >10%, reserve under noncurrent |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | brokered >10% |  |

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

- 2026-06-22 [First Commerce Bank selects FIS Horizon - fintechfutures.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNakhQVzVHYTUwU3JteDRlQWdaM2E3MFhtcDhTY0FmNDlsVWZuVl9zem53bmhoY2JjcUc2Wnc1dldyVjhFbFJzLTgwWm9qcjdBVV81VDYtMnVKaXBvNjNnNDRIeE5RUDZoZUwyWUVHS2JsOE5NbWhQX0w4aEd1REsteUZ0MzBhaEdFSEwxYzZRWllQMmNO?oc=5) · fintechfutures.com
- 2026-06-17 [First Commerce Bank Selects FIS Core Banking to Compete in an AI-Ready Future - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxNb2w4ZkJERDJmTHotYUd6aTlHN2tPemRyeWNWSWJ5bmRHOEVNNmw2YTExQVFtTlU4TENfR253SmxmQmh0YmdRYWdlNkEzQU95R2IyUS1NVGVuclFiRk9OSjZnQ2sxRGF3MDE4blhiVnU1cndUR2ZvWV9fOWRXU0c3dUlXdnNYSHZIcVg1ZTlCZDl1U2J5aUhsQzA1LVprLWd6OUVoWXc3X0Z5ZTVZaHdhcTVITUZzcGtsbzJXQk5ZOG5mRkw0RGJ3N2k2TlhZMHM?oc=5) · Business Wire
- 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
- 2026-06-18 [First Commerce Bank selects FIS to provide core banking platform - Financial Regulation News -](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTjdaSW8zcXpYRS1iYVFrOEo4dTRTMUtZSnBFN09BZEZoV2U1OWhXZkJWLXZqU2FhNGN1M1RaRGlZS2NUc1pRQXI2cGhNVzYyeHFFNnJ0UVgtajlLLXFxbGJsYTZlVWswRG5zeHJOZUNtcmlvQVZPRFNpeTFiNTlOZ2ZWd0lHRW1tWmVocl9GeHlEbmpPcFY2SWtR?oc=5) · Financial Regulation News -
- 2026-01-02 [First Commerce Bancorp’s $40M Subordinated Note Offering is completed - ROI-NJ](https://news.google.com/rss/articles/CBMirwFBVV95cUxPU2JRZHc5SGI5NDBlcThMcmFZbk4tOWlVZnVDblRLWkdxdFpxVXUtbEhJOFdadkVzTmpvQndJVW1pWkF3djNwUVItaGxGSmZxajBQNWFBZmRFZy1uVUhBTDJJTlU3MVY1Tm1jTklCX1g0ci1na1JqRGRmakpUWFZWNjZRTTU3clZPUXdOb1FGRExKczAxN1pVTlZFc2Y4b25TNGlQWlllTTI1S2Z6aFV3?oc=5) · ROI-NJ
- 2026-03-30 [First Commerce Bancorp, Inc., Declares Cash Dividend - ACCESS Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxPZVNaeTQ0Z0hEeGo0c0luYkpxeVhkcW5NYWpiWGZGdnBTY1VEVDBkTkpvT3ZpbFhhQ1BBTDViOHFaaFRUVkJTTzhDWnRJcENOcVo5TjdXbmM0aDkwaGRTRUsxUXY1bnI0NmtjX3hVNWh6S21kREk1WVV2YVpUV2hJWXlMX1gweUd0dEF5V0huNXF6OERuRVEyc3QxbGVtWUJOa29OX3dYOXJXVEhXSnM1VHRvbEJUbDdYQWs2OERrMGpHRUx0aFZqNU5wN0Y?oc=5) · ACCESS Newswire
- 2025-02-06 [First Commerce Bancorp, Inc., Announces Relocation of Its Corporate Headquarters in Lakewood, NJ - Nasdaq](https://news.google.com/rss/articles/CBMivAFBVV95cUxNNDBzR1NkTjJ1N0x4NGhRYmI1NnBROUNMOHplUnZPT3ZRTUFHcUVvRHhhSzBVMXhZc3dYTm9KcHExYklub3VCQWU3M2hNN0toczltN28wNV9ON29ocW9KLVNLTm9JTXJ6Z3lncHBXNTN3WWRSOFREVmZtc1JZUzgwUU84a1lDNml4MnlRd2luSy1FdGhkdV9yNEZqRUJlQnJJcnhUWWJ0ZE9Gdllfb1FPU1hTYWZQaEpDOUhvaA?oc=5) · Nasdaq
- 2023-09-14 [Don't like banks closing NJ branches? First Commerce Bank flips that script - Asbury Park Press](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQTDFSOWdMOFlQM1o3WUZqZlVlVHctaWhMWEtsV1M3SllRbDE2YV9qR29HQzc1dUlkRHdfZmF6WFFCeER4YW5lY21nWWFLV25JWmpzRFctZ3RLU3B2N05LM2hjQ3RrZVhEMXYzUlkwLUp2MTl0MExMN2tabDkwR2tlVElaTVdOMjFVbG5yUWdmVjlPZ2dGNWxxLThITzJOVmJoTXF5OUFpUmpJVUI4ZTNvMk5oZDgzNzVvdnowakhtN3k2ckc3bGw5MWg5cnFFWjhET1hLbnQ2THV0UHhB?oc=5) · Asbury Park Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58054 (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/6.json (key "58054", 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