First Commerce Bank: how it compares with its peers
Against 41 TN banks with half to twice its assets, First Commerce Bank's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 3.89% peer median). Its weakest relative measure is assets per employee ($9.0M vs. $6.9M).
| Measure | First Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 1.26% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 3.89% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 45.79% | 60.66% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $6.9M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.24% | 81.82% | Context |
What it means for lending operations
Its efficiency ratio of 45.79% is better than the 60.66% 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
- Legends Bank Clarksville, TN · $928M
- The Farmers Bank Portland, TN · $943M
- First Community Bank of Tennessee Shelbyville, TN · $944M
- The First National Bank of Middle Tennessee Mcminnville, TN · $952M
- Paragon Bank Memphis, TN · $908M
- Tennessee State Bank Pigeon Forge, TN · $991M
Questions about First Commerce Bank
How big is First Commerce Bank?
First Commerce Bank, established in 2002, is headquartered in Lewisburg, TN. It reported $935M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Commerce Bank's return on assets?
1.91% annualized in Q2 2026, against a 1.26% median for 41 TN banks with half to twice its assets, ahead of 83% of them.
What is First Commerce Bank's efficiency ratio?
45.79% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 60.66%, and lower is better.
Is First Commerce Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 8.9%.
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 TN 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 Tennessee bank ranked.