TellerScore

First Commerce Bank (FDIC certificate #57465) is based in Lewisburg, Tennessee. Its Q2 2026 call report shows $935.1M in total assets and $824.8M in deposits and 6 offices.

First Commerce Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 30th. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (52/100, 10.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.21%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings97/100
Return on assets (annualized): 1.91%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 86.2% · 32.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.55%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 77).

TellerScore
767879Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202477
Q1 202577
Q2 202578
Q3 202579
Q4 202578
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%7.75%10.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.84%
Q3 202410.09%
Q4 202410.31%
Q1 20259.94%
Q2 202510.12%
Q3 202510.49%
Q4 202510.40%
Q1 202610.29%
Q2 202610.21%
Noncurrent loans
0.01%0.05%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.01%
Q4 20240.01%
Q1 20250.06%
Q2 20250.06%
Q3 20250.05%
Q4 20250.06%
Q1 20260.08%
Q2 20260.08%
Return on assets
1.74%1.83%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.80%
Q4 20241.77%
Q1 20251.86%
Q2 20251.87%
Q3 20251.89%
Q4 20251.87%
Q1 20261.85%
Q2 20261.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$935.1M10.21%0.08%1.91%86.2%
Q1 202677$937.4M10.29%0.08%1.85%86.5%
Q4 202578$892.6M10.40%0.06%1.87%89.8%
Q3 202579$881.8M10.49%0.05%1.89%88.4%
Q2 202578$857.5M10.12%0.06%1.87%86.4%
Q1 202577$863.6M9.94%0.06%1.86%83.3%
Q4 202477$663.8M10.31%0.01%1.77%87.5%
Q3 202477$664.6M10.09%0.01%1.80%85.7%
Q2 202476$653.0M9.84%0.03%1.74%84.4%

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).

Capital ratio10.21%
36th
Total risk-based capital0.00%
24th
Problem loans0.08%
76th
Net charge-offs0.04%
31st
Return on assets1.91%
84th
Net interest margin4.64%
84th
Efficiency ratio45.8%
90th
Loans to deposits86.2%
35th
Uninsured deposits32.0%
23rd
Loan-loss reserves0.86%
15th
Texas ratio0.5%
76th

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Legends BankBank Clarksville, TN71 out of 100, Strong$927.7M10.0%0.00%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
First Community Bank of TennesseeBank Shelbyville, TN62 out of 100, Moderate$943.8M10.3%0.75%vs
The First National Bank of Middle TennesseeBank Mcminnville, TN66 out of 100, Moderate$952.4M10.0%0.22%vs
Paragon BankBank Memphis, TN62 out of 100, Moderate$908.1M8.7%0.18%vs
Tennessee State BankBank Pigeon Forge, TN72 out of 100, Strong$990.8M9.3%0.11%vs

Deposit insurance

Is my money safe at First Commerce Bank?

Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #57465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.0% of deposits ($263.6M) 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 10.21%, 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%).

Check how much of your own balance is covered

6 locations

Branches

First Commerce Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Commerce Bank reported 178 home-loan applications under HMDA (LEI 254900YR8UZ7F37G6E87): 176 originated ($47,030,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Commerce Bank
Type
State-chartered bank
FDIC certificate #
57465
RSSD ID
3153297
Primary regulator
FDIC
Holding company
First Commerce Bcorp Inc
Established
December 2, 2002
Headquarters
500 N Ellington Pkwy, Lewisburg, TN 37091
Employees
104

Quick answers

First Commerce Bank: common questions

Is First Commerce Bank FDIC insured?

Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #57465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Commerce Bank's TellerScore?

77 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 #57465 in the FDIC failed bank list.

How many branches does First Commerce Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lewisburg

InstitutionScoreAssetsCapitalProblem loansCompare
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs
First Farmers and Merchants BankBank Columbia, TN79 out of 100, Strong$1.8B11.2%0.12%vs