BlastPoint's Banking Scorecard
First Commerce Bank
Community
Specialty: Commercial
TN
FDIC cert 57465
Lewisburg, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
First Commerce Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19% in Community
- + Net Interest Margin 1.05% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$892.6M
+34.5% YoY
+1.2% QoQ
|
-$498.9M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$706.7M
+36.1% YoY
+3.2% QoQ
|
-$268.8M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$787.3M
+32.7% YoY
+1.6% QoQ
|
-$377.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.87%
+5.5% YoY
-1.0% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.71%
+11.2% YoY
-0.7% QoQ
|
+1.05% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
46.77%
-2.1% YoY
+3.7% QoQ
|
-15.86% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.06%
+361.7% YoY
+15.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
89.77%
+2.6% YoY
+1.6% QoQ
|
+6.70% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
15.77%
-11.4% YoY
-10.7% QoQ
|
-5.28% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.05%
+367.5% YoY
+18.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
-2.6% YoY
+30.4% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#71 of 371 · Top 19% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.71%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Credit Quality Pressure
risk
#64 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.66%
90
90th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
50
50th pctile
Total Loans
Current: $706.7M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $787.3M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $892.6M · Tier avg: $1.4B
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.77% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
Top Weaknesses
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.77% · Tier avg: 83.06%
42
42th pctile
Total Assets
Current: $892.6M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $787.3M · Tier avg: $1.2B
50
50th pctile
Total Loans
Current: $706.7M · Tier avg: $975.5M
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 62.63%
91
91th pctile
Net Interest Margin
Current: 4.71% · Tier avg: 3.66%