First Commerce Bank (FDIC #58054): Bank Stress & Real-Estate Credit Exposure

First Commerce Bank (FDIC Cert #58054): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST COMMERCE BCORP INC.

First Commerce Bank (#58054) lends in 6 counties across 1 state; First Commerce Bank (#58054) reaches 235 ZIP codes: New Jersey 6 counties, 235 ZIPs.

First Commerce Bank (#58054) largest markets: Bergen County, NJ (198 branches, 66 ZIPs) (#58054), Monmouth County, NJ (104 branches, 52 ZIPs) (#58054), Burlington County, NJ (39 branches, 39 ZIPs) (#58054), Essex County, NJ (31 branches, 31 ZIPs) (#58054), Ocean County, NJ (90 branches, 30 ZIPs) (#58054), Mercer County, NJ (26 branches, 26 ZIPs) (#58054).

First Commerce Bank (#58054) reports $1.96 billion in total assets; First Commerce Bank (#58054) equity $192.5 million (9.8% of First Commerce Bank (#58054) assets); First Commerce Bank (#58054) domestic deposits $1.44 billion; First Commerce Bank (#58054) net income $9.0 million; First Commerce Bank (#58054) return on assets 0.96%; First Commerce Bank (#58054) return on equity 9.69%; First Commerce Bank (#58054) net interest income $27.2 million; First Commerce Bank (#58054) call report June 30, 2026.

First Commerce Bank (#58054) noncurrent real-estate loans: none reported; First Commerce Bank (#58054) net charge-offs on real estate 0.73%; First Commerce Bank (#58054) residential charge-offs 0.49%.

First Commerce Bank (#58054) net interest margin 3.10% against an eight-quarter First Commerce Bank (#58054) average of 2.59% (First Commerce Bank (#58054) compression -0.51 points); First Commerce Bank (#58054) non-residential real estate 48.5% of equity; First Commerce Bank (#58054) rate-exposure score 40/100, First Commerce Bank (#58054) fixed-rate trap 40/100; First Commerce Bank (#58054) risk type credit driven; First Commerce Bank (#58054) rate regime rates elevated, First Commerce Bank (#58054) snapshot October 19, 2026.

First Commerce Bank (#58054) stress score moved from 68.6 on June 22, 2026 to 72 on October 20, 2026; First Commerce Bank (#58054) ranged 68.6 to 72 over 117 snapshots.

First Commerce Bank (#58054) alerts: 6 counties; top First Commerce Bank (#58054) alert scores: Bordentown County, NJ 24 (low); Fairfield County, NJ 24 (low); Freehold County, NJ 24 (low); Lakewood County, NJ 24 (low); Robbinsville County, NJ 24 (low).