First Commerce Bank

Lewisburg, TennesseeFDIC Cert #57465

STATEEstablished 20026 branches

Holding company: FIRST COMMERCE BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$91.9M
Investor CRE	$102M
Multifamily	$16.3M
Construction	$171M
1–4 family	$217M
C&I	$59M
Agriculture	$45.3M
Other	$21.9M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$724M

+12.6%y/y

Percentile by value96th percentileby value

FDICLNLSGR

Net loans

$718M

+12.5%y/y

Percentile by value97th percentileby value

FDICLNLSNET

Loans YoY

+12.48%

−54.2%y/y

Percentile by value80th percentileby value

FDICLNLSNET

L/D

86.5%

+4.0%y/y

Percentile by value65th percentileby value

FDICLNLSNET + DEP

Loans/assets

76.6%

+3.6%y/y

Percentile by value74th percentileby value

FDICLNLSNET + ASSET

RE loans %

89.79%

+1.2%y/y

Percentile by value64th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,919points

−3.7%y/y

Peer standing68th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

12.70%

−14.4%y/y

Percentile by value52nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

14.07%

+27.4%y/y

Percentile by value52nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

8.15%

−5.5%y/y

Percentile by value42nd percentileby value

FDICLNCI + LNLSGR