First Commerce Bancorp, Inc. Reports Third Quarter and Year-to-Date 2026 Results and Declares a Cash Dividend
First Commerce Bancorp reported Q3 2026 net income of $4.9 million ($0.28 basic EPS), up 135% from $2.1 million ($0.10 EPS) a year earlier, and nine-month net income of $12.1 million versus $5.1 million in 2025. Net interest income jumped 46.5% to $15.9 million as the net interest margin expanded 73bps to 3.34%, with total loans up 13.4% year-to-date to $1.61 billion and deposits up 12.5% to $1.46 billion. Credit quality improved markedly: non-performing loans fell to 0.35% of total loans from 0.89%, and the Board declared a $0.05 per share cash dividend payable November 24, 2026.
Key figures
- Eps
- 0.28
- Revenue
- $30.0 million
- Revenue Yoy
- 24.6%
- Total loans
- 1608500000
- Buyback total
- 21000000
- Q3 net income
- 4900000
- Buyback shares
- 3000000
- Nii q3 yoy pct
- 46.5%
- Total deposits
- 1458200000
- Ytd net income
- 12100000
- Loans yoy growth
- 13.4%
- Dividend per share
- 0.05
- Net income yoy pct
- 135.4%
- Book value per share
- 9.53
- Efficiency ratio ytd
- 61.32%
- Tier1 leverage ratio
- 8.32%
- Net interest income q3
- 15886000
- Net interest margin q3
- 3.34%
- Buyback price per share
- 7
- Return on avg equity q3
- 12.04%
- Non performing loans ratio
- 0.35%
AI analysis
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