Total Assets
$893M
Total balance-sheet footings
FDIC Cert #57465 · Lewisburg, Tennessee · Est. 2002
First Commerce Bank - FDIC Bank Health Profile
A community-scale look at First Commerce Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $893M
- Total assets
- A
- Health grade · Excellent
- 1.79%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
First Commerce Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.40% Tier 1, profitable at 1.79% ROA, efficient (47% cost ratio).
- #1,152
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 10.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Commerce Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Commerce Bank's composite health score
Tier 1 Capital Ratio (10.40%) 28/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (0.43%) 20/20
Efficiency Ratio (46.77%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$787M
Customer-funded liabilities
Net Loans
$707M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Commerce Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Commerce Bank's score of 88/100 falls in the highlighted band.
First Commerce Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Commerce Bank's $893M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.40%
Texas Ratio
0.43%
Equity Capital
$95M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
17.43%
Efficiency Ratio
46.77%
What the numbers say about First Commerce Bank
First Commerce Bank is an FDIC-insured institution (Certificate #57465) headquartered in Lewisburg, Tennessee, established in 2002. It holds $893M in total assets - 1,152nd of 4,313 FDIC-insured banks, $787M in customer deposits, and $707M in net loans. Looking at capital strength, Tier 1 stands at 10.40%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.43%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, First Commerce Bank ranks 36th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$54M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Commerce Bank reports a Texas Ratio of 0.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Commerce Bank (FDIC Cert #57465) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is First Commerce Bank's health grade?▼
First Commerce Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Commerce Bank?▼
First Commerce Bank holds $893M in total assets and $787M in deposits, ranking 1,152nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Lewisburg, Tennessee.
Is my money safe at First Commerce Bank?▼
Yes, deposits at First Commerce Bank (Certificate #57465) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Commerce Bank's Tier 1 Capital Ratio?▼
First Commerce Bank has a Tier 1 Capital Ratio of 10.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Commerce Bank?▼
First Commerce Bank has a Texas Ratio of 0.43%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Commerce Bank?▼
First Commerce Bank has an Efficiency Ratio of 46.77%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Commerce Bank's profile as a depositor or analyst.
- First Commerce Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Commerce Bank against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.