First Commerce Bank is a state-chartered bank headquartered in Marysville, Kansas, in business for about 24 years. At the end of Q2 2026 it reported $138.5M in total assets and $120.6M in deposits, with 2 offices.
Based on its Q2 2026 filing, First Commerce Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 64th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is funding & liquidity (55/100; 93% loans-to-deposits, 26% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (74 → 79), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.71% |
| Q3 2024 | 9.83% |
| Q4 2024 | 10.72% |
| Q1 2025 | 10.76% |
| Q2 2025 | 10.76% |
| Q3 2025 | 10.93% |
| Q4 2025 | 11.28% |
| Q1 2026 | 11.62% |
| Q2 2026 | 11.79% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.42% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.62% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $138.5M | 11.79% | 0.26% | 1.75% | 93.1% |
| Q1 2026 | 78 | $140.2M | 11.62% | 0.21% | 1.62% | 88.6% |
| Q4 2025 | 77 | $137.8M | 11.28% | 0.17% | 1.49% | 90.4% |
| Q3 2025 | 74 | $139.7M | 10.93% | 0.17% | 1.42% | 92.6% |
| Q2 2025 | 74 | $136.9M | 10.76% | 0.17% | 1.43% | 91.6% |
| Q1 2025 | 75 | $136.7M | 10.76% | 0.22% | 1.41% | 82.9% |
| Q4 2024 | 75 | $134.2M | 10.72% | 0.20% | 1.48% | 86.4% |
| Q3 2024 | 71 | $144.4M | 9.83% | 0.20% | 1.42% | 86.9% |
| Q2 2024 | 70 | $144.9M | 9.71% | 0.30% | 1.29% | 86.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Elk State BankBank Clyde, KS | 68 out of 100, Moderate | $138.7M | 8.2% | 0.00% | vs |
| The Citizens State BankBank Hugoton, KS | 80 out of 100, Strong | $137.5M | 13.5% | 0.30% | vs |
| The First National Bank in CimarronBank Cimarron, KS | 80 out of 100, Strong | $143.5M | 9.6% | 0.25% | vs |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
| The Bendena State BankBank Bendena, KS | 77 out of 100, Strong | $131.5M | 10.0% | 0.00% | vs |
| Community Bank of Wichita, Inc.Bank Wichita, KS | 63 out of 100, Moderate | $128.3M | 8.6% | 0.72% | vs |
Deposit insurance
Is my money safe at First Commerce Bank?
Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #57273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.4% of deposits ($31.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
First Commerce Bank lists 2 offices in 2 cities. Most locations:
- Blue Rapids, KS (1)
- Marysville, KS (1)
Identity & history
Profile
- Legal name
- First Commerce Bank
- Former names
- First Commerce Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 57273
- RSSD ID
- 3041358
- Primary regulator
- FDIC
- Holding company
- First Commerce Financial Corp
- Established
- August 21, 2002
- Headquarters
- 902 Broadway, Marysville, KS 66508
- Website
- www.bankfirstcommerce.com
- Employees
- 14
Quick answers
First Commerce Bank: common questions
Is First Commerce Bank FDIC insured?
Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #57273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Commerce Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Commerce Bank ever failed?
There is no failure record for FDIC certificate #57273 in the FDIC failed bank list.
How many branches does First Commerce Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marysville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of BernBank Bern, KS | 95 out of 100, Very strong | $128.2M | 17.3% | 0.00% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| Western National BankBank Chester, NE | 74 out of 100, Strong | $257.4M | 9.1% | 0.02% | vs |
| Union State BankBank Clay Center, KS | 73 out of 100, Strong | $206.2M | 10.3% | 0.00% | vs |