Compared with New Jersey
8 of 18
compared fees are above the median.
3 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
49th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 18 compared; 3 below, 7 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for First Commerce Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Commerce Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, about the same as the 2.2% median of 869 banks with $1B to $10B in assets (49th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $331K in Q2 2026, 61% above the same quarter a year earlier ($206K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 18 compared published fees sit above the New Jersey median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
OD Protection Transfer
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 60% from Q3 2025 to Q2 2026, to $331K. Its share of revenue, 2.1%, is about the same as the 2.2% median for banks with $1B to $10B in assets.
$331K
First Commerce BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
First Commerce Bank · $2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Commerce Bank(this institution) | Lakewood, NJ | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank 7 | Oklahoma City, OK | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BankWest, Inc. | Pierre, SD | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blackhawk Bank & Trust | Milan, IL | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Embassy Bank for the Lehigh Valley | Bethlehem, PA | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fairfield County Bank | Ridgefield, CT | $1.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank | El Dorado, AR | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Northern Bank of Dixon | Dixon, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank & Trust | Oakland, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Southwest | Amarillo, TX | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florence Bank | Florence, MA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gateway First Bank | Jenks, OK | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kennebec Savings Bank | Augusta, ME | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montecito Bank & Trust | Santa Barbara, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newtown Savings Bank | Newtown, CT | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oak Valley Community Bank | Oakdale, CA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Square Financial Services, Inc. | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Meridian | Meridian, MS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Conway National Bank | Conway, SC | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Stuttgart, AR | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Village Bank | Newton, MA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Thomaston Savings Bank | Thomaston, CT | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Timberland Bank | Hoquiam, WA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tri City National Bank | Oak Creek, WI | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.50 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Commerce Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First Commerce Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $331K | +$90K | +37.3% |
| Q1 2026 | $241K | +$26K | +12.1% |
| Q4 2025 | $215K | +$8K | +3.9% |
| Q3 2025 | $207K | +$1K | +0.5% |
| Q2 2025 | $206K | +$18K | +9.6% |
| Q1 2025 | $188K | +$11K | +6.2% |
| Q4 2024 | $177K | +$3K | +1.7% |
| Q3 2024 | $174K | +$11K | +6.7% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Commerce Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Commerce Bank by share.
Amounts from First Commerce Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Processing | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment Processing | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Fee - Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Fee Transfer (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing International Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Incoming International Wire | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Image Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box Drilling (audience not stated, treated as personal) | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | per item | None |
| Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subpoena Response (audience not stated, treated as personal) | $100Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Commerce Bank operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state, $1.4B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 9 | $1.3B | |
| 1 | $65.8M | |
| 1 | $51.6M |
New York-Newark-Jersey City, NY-NJ
0% of bank deposits, #70 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, First Commerce Bank holds 0% of bank deposits, #70 of 151, with 9 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 9 offices, #70 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve and New Jersey Department of Banking and Insurance
The Federal Reserve and New Jersey Department of Banking and Insurance have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and New Jersey Department of Banking and Insurance, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.