First Commerce Bank: how it compares with its peers
Against 78 KS banks with half to twice its assets, First Commerce Bank's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $7.0M peer median). Its weakest relative measure is net interest margin (3.95% vs. 3.99%).
| Measure | First Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.75% | 1.39% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 3.99% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.32% | 59.06% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $7.0M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.09% | 75.47% | Context |
What it means for lending operations
Its efficiency ratio of 55.32% is better than the 59.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Elk State Bank Clyde, KS · $139M
- The Citizens State Bank Hugoton, KS · $137M
- The First National Bank in Cimarron Cimarron, KS · $143M
- The Riley State Bank of Riley, Kansas Riley, KS · $132M
- The Bendena State Bank Bendena, KS · $132M
Questions about First Commerce Bank
How big is First Commerce Bank?
First Commerce Bank, established in 2002, is headquartered in Marysville, KS. It reported $138M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Commerce Bank's return on assets?
1.75% annualized in Q2 2026, against a 1.39% median for 78 KS banks with half to twice its assets, ahead of 76% of them.
What is First Commerce Bank's efficiency ratio?
55.32% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.06%, and lower is better.
Is First Commerce Bank growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 3.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.