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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

First Commerce Bank

Lewisburg, Tennessee · $935M in assets · beside the 11 other Tennessee banks between $300M and $1B

The filing

1.87%
ROA
3rd of 12
47.4%
Efficiency
3rd of 12
10.5%
Equity / assets
4th of 12

First Commerce Bank is the fifth largest of the 12 Tennessee banks nearest its size between $300M and $1B, with $935M in assets at 30 June 2026. Loans are 87.0% of deposits, 7th of 12 against a median of 86.3%, and equity is 10.5% of assets, 4th of 12. Loans grew +8.7% in the year, 8th of 12, and deposits grew 8.9%; the cohort's median loan growth is +9.4%.

Noncurrent loans are 0.08% of the book, 5th of 12 against a median of 0.15%; 0.02% is 30 to 89 days past due, and the allowance covers them 10.7 times. Commercial real estate is 36.2% of loans, 6th of 12 against a median of 37.3%, and 271% of capital, below the 300% screen, with construction at 162% against the 100% screen. CRE has grown +63.3% over 36 months, past the guidance's 50% prong.

Return on assets is 1.87%, 3rd of 12 against a median of 1.15%, on an efficiency ratio of 47.4%, 3rd of 12. Five years ago it was 1.22%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsTN banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.15% CB Citizens Bank 1.98% FF First Freedom Bank 1.97% FC First Commerce Bank 1.87% FC First Century Bank 1.68% FB Farmers Bank 1.61% TS Tennessee State Bank 1.21% MB Macon Bank & Trust Co. 1.08% FN First National Bank of Middle Tennessee 1.03% LB Legends Bank 1.02% PB Paragon Bank 0.89% FC First Community Bank of Tennessee 0.70% MB Millennium Bank -0.64%
Loans, year over yearTN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +9.4% MB Millennium Bank +47.9% MB Macon Bank & Trust Co. +16.9% FC First Community Bank of Tennessee +15.0% FF First Freedom Bank +11.5% FN First National Bank of Middle Tennessee +10.4% FC First Century Bank +9.8% PB Paragon Bank +9.0% FC First Commerce Bank +8.7% TS Tennessee State Bank +8.0% CB Citizens Bank +6.7% LB Legends Bank +6.5% FB Farmers Bank +5.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, First Commerce Bank among them; owner-occupied excluded; bold marks a screen met
First Commerce BankRankCohort median
Total CRE against capital, the 300% screen271%7th of 12261%
Construction against capital, the 100% screen162%11th of 12105%
Construction and land development, share of loans21.7%11th of 1215.1%
Non-owner-occupied nonfarm nonresidential, share of loans12.3%3rd of 1215.6%
Total CRE, the guidance definition, share of loans36.2%6th of 1237.3%
CRE growth over 36 months, the third prong+63.3%12th of 12+32.8%
Commercial real estate against capital, the 300% screenTN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 261% CB Citizens Bank 151% FB Farmers Bank 155% MB Macon Bank & Trust Co. 187% FC First Century Bank 237% FN First National Bank of Middle Tennessee 240% FC First Community Bank of Tennessee 251% FC First Commerce Bank 271% LB Legends Bank 275% PB Paragon Bank 321% FF First Freedom Bank 337% TS Tennessee State Bank 347% MB Millennium Bank 382%
CRE growth over 36 months, the guidance's third prongTN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +32.8% FB Farmers Bank -5.8% FN First National Bank of Middle Tennessee -2.9% FC First Century Bank +12.1% LB Legends Bank +13.1% TS Tennessee State Bank +15.6% CB Citizens Bank +29.3% MB Macon Bank & Trust Co. +36.3% FC First Community Bank of Tennessee +39.0% FF First Freedom Bank +40.9% MB Millennium Bank +53.2% PB Paragon Bank +55.6% FC First Commerce Bank +63.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Tennessee State Bank$991M1.2%70.1%0.11%0.04%1.1%81.1%8.6%
First National Bank of Middle Tennessee$952M1.0%66.1%0.22%0.24%1.0%95.6%9.8%
First Community Bank of Tennessee$944M0.7%92.1%0.75%0.20%0.5%100.8%9.4%
Farmers Bank$943M1.6%56.3%0.53%0.10%1.2%78.6%13.8%
First Commerce Bank$935M1.9%47.4%0.08%0.04%0.9%87.0%10.5%
Legends Bank$928M1.0%67.4%0.00%0.00%1.1%81.3%9.6%
Paragon Bank$908M0.9%71.6%0.18%0.18%0.9%107.1%8.5%
Citizens Bank$832M2.0%28.3%0.62%0.01%1.2%65.2%13.4%
Macon Bank & Trust Co.$821M1.1%56.5%0.08%0.02%0.9%68.4%7.5%
First Freedom Bank$818M2.0%42.6%0.01%0.13%1.1%96.9%12.2%
First Century Bank$810M1.7%47.7%0.07%0.01%1.1%97.9%9.2%
Millennium Bank$781M-0.6%81.4%0.68%1.86%1.2%85.7%8.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Commerce BankCohort median
20212026Change20212026Change
Loans$356M$718M+102%$414M$698M+68%
Deposits$458M$825M+80%$503M$758M+51%
NPA / loans0.06%0.08%+0.02 pts0.32%0.15%-0.17 pts
Efficiency54.1%47.4%-6.7 pts63.2%61.3%-1.9 pts
ROA1.22%1.87%+0.65 pts1.37%1.15%-0.22 pts

This read was prepared for First Commerce Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Commerce Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $300M to $1B
Institution www.firstcommercebank.net

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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