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First Commerce Bank
Lewisburg, TN · FDIC Certificate #57465 · Chartered 12/0
Total assets
$935.08M
Total deposits
$824.79M
Total equity
$98.50M
Net loans
$711.33M
Branches (offices)
6
Net income (YTD)
$8.82M
Rank: #1,107 of 4,213 U.S. banks by assets · #36 of 109 in Tennessee. Assets changed 9.0% and deposits 8.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 18.29% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 10.53% |
| Tier 1 leverage ratio | 10.21% |
| Uninsured deposits (share of deposits) | 32.0% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $632.68M | 88.9% | |
| Commercial & industrial | $56.87M | 8.0% | |
| Consumer / individual | $21.68M | 3.0% | |
| Construction & development | $155.48M | 21.9% | |
| Agricultural | $6.16M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $545.51M | $495.29M | $3.70M | $46.26M |
| Jun 2023 | $603.76M | $545.69M | $5.03M | $51.67M |
| Jun 2024 | $653.00M | $584.57M | $5.60M | $60.10M |
| Jun 2025 | $857.50M | $757.58M | $7.43M | $88.06M |
| Jun 2026 | $935.08M | $824.79M | $8.82M | $98.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $824.79M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $824.79M.
Similar-sized banks
Texas Heritage National Bank ($936.37M) · American Plus Bank, N.A. ($935.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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