BlastPoint's Banking Scorecard
First Commerce Bank
Community
Specialty: Commercial
NJ
FDIC cert 58054
Lakewood, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
First Commerce Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.02% below tier
- - Loan-to-Deposit Ratio 21.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+15.7% YoY
+5.0% QoQ
|
+$402.9M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.4B
+14.6% YoY
+1.6% QoQ
|
+$427.2M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.3B
+13.4% YoY
+3.9% QoQ
|
+$180.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.51%
+58.9% YoY
+19.3% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.65%
+12.7% YoY
+5.6% QoQ
|
-1.02% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
72.09%
-11.8% YoY
-3.8% QoQ
|
+9.45% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.75%
-75.5% YoY
-16.3% QoQ
|
+0.12% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
104.30%
+1.0% YoY
-2.2% QoQ
|
+21.24% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.72%
+10.8% YoY
+6.5% QoQ
|
-5.32% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.97%
-59.8% YoY
-13.8% QoQ
|
+0.47% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.23%
-13.5% YoY
+1.0% QoQ
|
+0.99% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.19%
+45.6% YoY
+19.4% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 8%
in Community
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.65%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Loan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Why this stands out
Current:
104.30%
(Tier avg: 83.06%, National avg: 78.04%)
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
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
39
39th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 10.24%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.72% · Tier avg: 21.05%
23
23th pctile
Efficiency Ratio
Current: 72.09% · Tier avg: 62.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.30% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.30% · Tier avg: 83.06%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
23
23th pctile
Efficiency Ratio
Current: 72.09% · Tier avg: 62.63%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.72% · Tier avg: 21.05%
34
34th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.63%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 10.24%
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M