Bank · FDIC insured
First Commerce Bank
A $2B bank headquartered in Lakewood, NJ, with 11 branches in New Jersey. Best rates: CDs 4.50% and savings 3.00% APY.
First Commerce Bank Carrot Score
86
Carrot Score
Higher than 75% of U.S. banks and credit unions
#46 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Commerce Bank
First Commerce Bank started with a community-first mindset focused on serving and empowering local neighborhoods.
The bank operates community bank locations in Ocean, Bergen, Mercer, Monmouth, and Burlington counties.
- Headquarters
- 105 River Ave, Lakewood, NJ 08701
- FDIC certificate
- 58054 ↗
Branches
11 branches in New Jersey
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New Jersey
11 branches
New York area · 9
- First Commerce BankMain office105 River Ave, Lakewood, NJ 08701Directions
- Allentown Branch40 N Main St, Allentown, NJ 08501Directions
- Closter Branch530 Piermont Rd, Closter, NJ 07624Directions
- Englewood Branch44 Engle St, Englewood, NJ 07631Directions
- Fairfield Branch280 Passaic Ave, Fairfield, NJ 07004Directions
- Freehold Branch Office118 Schanck Rd, Freehold, NJ 07728Directions
- First Commerce Bank Branch2080 West County Line Road, Jackson, NJ 08527Directions
- Lakewood - Avenue Of The States Branch1700 Avenue Of The States, Lakewood, NJ 08701Directions
- Teaneck Branch1008 Teaneck Rd, Teaneck, NJ 07666Directions
Philadelphia area · 1
- Bordentown Branch789 Farnsworth Ave, Bordentown, NJ 08505Directions
Trenton area · 1
- Robbinsville Branch Office11 Hankins Road, Robbinsville, NJ 08691Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.15% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.72% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.96% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $108 | $88 | — |
- CapitalLeverage ratio10.15%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.72%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$108Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Commerce Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.