First Commerce Bank (FDIC certificate #58054) is based in Lakewood, New Jersey. Its Q2 2026 call report shows $2.0B in total assets and $1.4B in deposits and 11 offices.
Based on its Q2 2026 filing, First Commerce Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 35th. Its strongest component is problem-loan coverage (83/100; 8.7%), and its lowest is funding & liquidity (32/100; 107% loans-to-deposits, 34% 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 10 points (50 → 60), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 37 |
| Q1 2025 | 36 |
| Q2 2025 | 50 |
| Q3 2025 | 53 |
| Q4 2025 | 55 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.95% |
| Q3 2024 | 11.44% |
| Q4 2024 | 11.31% |
| Q1 2025 | 10.74% |
| Q2 2025 | 10.42% |
| Q3 2025 | 10.01% |
| Q4 2025 | 10.14% |
| Q1 2026 | 10.51% |
| Q2 2026 | 10.15% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.15% |
| Q4 2024 | 3.03% |
| Q1 2025 | 3.02% |
| Q2 2025 | 1.30% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $2.0B | 10.15% | 0.72% | 0.96% | 107.3% |
| Q1 2026 | 59 | $1.8B | 10.51% | 0.78% | 0.96% | 108.2% |
| Q4 2025 | 55 | $1.8B | 10.14% | 0.74% | 0.51% | 104.3% |
| Q3 2025 | 53 | $1.7B | 10.01% | 0.89% | 0.43% | 106.7% |
| Q2 2025 | 50 | $1.7B | 10.42% | 1.30% | 0.37% | 108.1% |
| Q1 2025 | 36 | $1.6B | 10.74% | 3.02% | 0.44% | 102.5% |
| Q4 2024 | 37 | $1.6B | 11.31% | 3.03% | 0.32% | 103.3% |
| Q3 2024 | 54 | $1.5B | 11.44% | 1.15% | 0.33% | 112.4% |
| Q2 2024 | 55 | $1.5B | 11.95% | 1.21% | 0.33% | 111.4% |
897 peers · $1 billion – $10 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 New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of PrincetonBank Princeton, NJ | 68 out of 100, Moderate | $2.3B | 11.7% | 0.92% | vs |
| Parke BankBank Sewell, NJ | 85 out of 100, Very strong | $2.3B | 15.9% | 0.27% | vs |
| Bessemer Trust CompanyBank Woodbridge, NJ | 67 out of 100, Moderate | $2.4B | 6.7% | 0.00% | vs |
| Union County Savings BankBank Elizabeth, NJ | 51 out of 100, Below average | $1.5B | 7.8% | 0.91% | vs |
| Somerset Regal BankBank Bound Brook, NJ | 76 out of 100, Strong | $1.2B | 13.8% | 0.00% | vs |
| Sturdy Savings BankBank Stone Harbor, NJ | 68 out of 100, Moderate | $1.1B | 9.7% | 0.15% | vs |
Deposit insurance
Is my money safe at First Commerce Bank?
Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #58054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($484.8M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.12% (benchmark: 10%).
11 locations
Branches
First Commerce Bank lists 11 offices in 10 cities. Most locations:
- Lakewood, NJ (2)
- Allentown, NJ (1)
- Bordentown, NJ (1)
- Closter, NJ (1)
- Englewood, NJ (1)
- Fairfield, NJ (1)
- Freehold, NJ (1)
- Jackson, NJ (1)
- Robbinsville, NJ (1)
- Teaneck, NJ (1)
Identity & history
Profile
- Legal name
- First Commerce Bank
- Former names
- Northern State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58054
- RSSD ID
- 3404373
- Primary regulator
- FDIC
- Holding company
- First Commerce Bcorp Inc
- Established
- January 30, 2006
- Headquarters
- 105 River Ave, Lakewood, NJ 08701
- Website
- www.firstcommercebk.com
- Employees
- 166
Quick answers
First Commerce Bank: common questions
Is First Commerce Bank FDIC insured?
Yes. First Commerce Bank is an FDIC-insured institution (FDIC certificate #58054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Commerce Bank's TellerScore?
60 out of 100 (Moderate), 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 #58054 in the FDIC failed bank list.
How many branches does First Commerce Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lakewood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ocean County Employees Federal Credit UnionCredit union Toms River, NJ | 97 out of 100, Very strong | $1.4M | 20.0% | 0.33% | vs |
| First Atlantic Federal Credit UnionCredit union Eatontown, NJ | 86 out of 100, Very strong | $332.2M | 13.8% | 0.79% | vs |
| Amboy BankBank Old Bridge, NJ | 80 out of 100, Strong | $3.1B | 12.2% | 0.30% | vs |
| Monmouth County Postal Employees Credit UnionCredit union Red Bank, NJ | 79 out of 100, Strong | $21.9M | 20.6% | 0.15% | vs |
| Public Service H C Employees Federal Credit UnionCredit union Brick, NJ | 74 out of 100, Strong | $7.1M | 39.5% | 1.89% | vs |
| Credit Union of New Jersey, aCredit union Ewing, NJ | 72 out of 100, Strong | $512.8M | 10.6% | 0.93% | vs |