What is First Commerce Bank's financial health grade?

First Commerce Bank has a TFS Financial Health Grade of D (score: 65.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Commerce Bank have?

First Commerce Bank has 11 branch locations across the United States.

Is First Commerce Bank FDIC insured?

Yes, First Commerce Bank is FDIC insured (Certificate #58054).

What are the total assets of First Commerce Bank?

First Commerce Bank has total assets of $1.8B as reported in its most recent FDIC filing.

First Commerce Bank

BankLakewood, New Jersey

http://www.firstcommercebk.com

Total Assets

$1.8B

Total Deposits

$1.3B

Branches

Established

2006

TFS Health Grade

65.9 / 100

Below average financial health

How we grade

First Commerce Bank is a bank headquartered in Lakewood, New Jersey, established in 2006. With $1.8B in total assets and 11 branch locations, it has a TFS Financial Health Grade of D (65.9/100).

Capital & Safety

Tier 1 Capital Ratio

10.14%(8%)

Total Capital Ratio

12.32%(10%)

Non-Performing Loan Ratio

0.74%

Profitability

Return on Assets (ROA)

0.51%(1%)

Return on Equity (ROE)

5.02%(10%)

Net Interest Margin

2.65%

Efficiency Ratio

72.09%(60%)

Lending & Liquidity

Total Loans

$1.4B

Loan-to-Deposit Ratio

104.30%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+15.68%

Deposit Growth (YoY)

+13.44%

Net Income

$8.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Commerce BankHQ	105 River Ave	Lakewood	NJ	11
First Commerce Bank	40 N Main St	Allentown	NJ	11
First Commerce Bank	789 Farnsworth Ave	Bordentown	NJ	11
First Commerce Bank	530 Piermont Rd	Closter	NJ	11
First Commerce Bank	44 Engle St	Englewood	NJ	11
First Commerce Bank	280 Passaic Ave	Fairfield	NJ	11
First Commerce Bank	118 Schanck Rd	Freehold	NJ	11
First Commerce Bank	2080 West County Line Road	Jackson	NJ	11
First Commerce Bank	1700 Avenue Of The States	Lakewood	NJ	11
First Commerce Bank	11 Hankins Road	Robbinsville	NJ	11
First Commerce Bank	1008 Teaneck Rd	Teaneck	NJ	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.