First Commerce Bank (FDIC #57465): Bank Stress & Real-Estate Credit Exposure

First Commerce Bank (FDIC Cert #57465): bank stress 50/100, moderate, STABLE over 7 days; parent FIRST COMMERCE BCORP INC.

First Commerce Bank (#57465) lends in 4 counties across 1 state; First Commerce Bank (#57465) reaches 44 ZIP codes: Tennessee 4 counties, 44 ZIPs.

First Commerce Bank (#57465) largest markets: Rutherford County, TN (20 branches, 20 ZIPs) (#57465), Bedford County, TN (13 branches, 13 ZIPs) (#57465), Lincoln County, TN (12 branches, 12 ZIPs) (#57465), Marshall County, TN (36 branches, 12 ZIPs) (#57465).

First Commerce Bank (#57465) reports $935.1 million in total assets; First Commerce Bank (#57465) equity $98.5 million (10.5% of First Commerce Bank (#57465) assets); First Commerce Bank (#57465) domestic deposits $824.8 million; First Commerce Bank (#57465) net income $8.8 million; First Commerce Bank (#57465) return on assets 1.91%; First Commerce Bank (#57465) return on equity 18.29%; First Commerce Bank (#57465) net interest income $20.0 million; First Commerce Bank (#57465) call report June 30, 2026.

First Commerce Bank (#57465) noncurrent real-estate loans: none reported; First Commerce Bank (#57465) net charge-offs on real estate 0.05%; First Commerce Bank (#57465) residential charge-offs 0.14%.

First Commerce Bank (#57465) net interest margin 4.64% against an eight-quarter First Commerce Bank (#57465) average of 4.56% (First Commerce Bank (#57465) compression -0.08 points); First Commerce Bank (#57465) non-residential real estate 14.2% of equity; First Commerce Bank (#57465) rate-exposure score 40/100, First Commerce Bank (#57465) fixed-rate trap 40/100; First Commerce Bank (#57465) risk type credit driven; First Commerce Bank (#57465) rate regime rates elevated, First Commerce Bank (#57465) snapshot October 19, 2026.

First Commerce Bank (#57465) stress score moved from 51.4 on June 22, 2026 to 50.4 on October 19, 2026; First Commerce Bank (#57465) ranged 50.4 to 51.4 over 116 snapshots.

First Commerce Bank (#57465) alerts: 4 counties; top First Commerce Bank (#57465) alert scores: Fayetteville County, TN 19 (low); Lewisburg County, TN 19 (low); Murfreesboro County, TN 19 (low); Shelbyville County, TN 19 (low).