First Commerce Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Home mtgs (29%), securities (13%), comm loans (9%), comm re (7%), cash (4%), consumer loans (4%), other (35%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Commerce Financial Corporation
Investment Rating
--
Address
902 Broadway
Marysville, KS 66508
Marysville, KS 66508
Phone Number
(785) 562-5558
Year Founded
2002
FDIC Number
Largest Affiliates
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