First Commerce Bank
Lakewood, NJ
IDRSSD: 3404373
Total Assets
$1.71B
Latest filing
Total Deposits
$1.29B
Latest filing
Net Interest Margin
2.73%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Commerce Bank
105 River Ave
Lakewood, NJ 08701
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/30/2006FDIC Certificate 437827
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Commerce Bank (Main) | 105 River Ave | Lakewood, NJ |
| CLOSTER BRANCH | 530 Piermont Rd | Closter, NJ |
| ALLENTOWN BRANCH | 40 N Main St | Allentown, NJ |
| TEANECK BRANCH | 1008 Teaneck Rd | Teaneck, NJ |
| ENGLEWOOD BRANCH | 44 Engle St | Englewood, NJ |
| FREEHOLD BRANCH OFFICE | 118 Schanck Rd | Freehold, NJ |
| ROBBINSVILLE BRANCH OFFICE | 11 Hankins Road | Robbinsville, NJ |
| FAIRFIELD BRANCH | 280 Passaic Ave | Fairfield, NJ |
Showing 7 of 10
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/30/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 08701 |
| State and County Number | 34029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 164 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/30/2006 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstcommercebk.com |
| Data Updated | 11/14/2025 |
| CERT | 58054 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.71B |
| Total Deposits | $1.29B |
| Total Liabilities | $1.54B |
| Total Equity Capital | $170.77M |
| Net Income | $2.28M |
| Net Loans and Leases | $1.38B |
| Assets Per Employee ($Millions) | $10.06M |
| Bank Premises and Fixed Assets | $28.18M |
| Cash and Balances due from Depository Institutions | $68.89M |
| Deposits Held in Domestic Offices | $1.29B |
Key Performance Ratios
| Return on Assets (ROA) | 0.54% |
| Return on Equity (ROE) | 5.37% |
| Net Interest Margin | 2.73% |
| Efficiency Ratio | 70.79% |
| Tier 1 Risk-Based Capital Ratio | 11.118% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.988% |
| Earning Assets to total Assets | 94.66% |
Income and Expense
| Total Interest Income | $24.11M |
| Total Noninterest Income | $820.00k |
| Total Interest Expense | $13.10M |
| Total Noninterest Expense | $8.38M |
| Net Interest Income | $11.01M |
| Pre-tax Net Operating Income | $3.00M |
| Provision for Credit Losses | $452.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $6.94M |
| Other borrowed funds | $238.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.33M |
| Total Liabilities and Capital | $1.71B |
Securities
| Securities | $172.18M |
| Available-for-sale debt securities | $26.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $145.80M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Commerce Bank?
$1.71B as of the latest filing.
How much are First Commerce Bank's total deposits?
$1.29B in total deposits.
Where is First Commerce Bank located?
Lakewood, NJ.
What is the Net Interest Margin?
2.73%.
How many domestic offices does it operate?
11.
When was it established?
01/30/2006.
What is the Return on Assets (ROA)?
0.54%.
How much are total loans and leases?
$1.38B (latest filing).
What is the total interest income (latest filing)?
$24.11M.