1st Commerce Bank


5135 Camino Al Norte, Suite 4
North Las Vegas, NV 89031
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

1st Commerce Bank is an FDIC insured institution located in North Las Vegas, NV. It was founded in 2006 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58358
Date Established 2006
Assets $ 20.15 million
Loans $ 13.43 million
Deposits $ 19.58 million
Capital $ 0.53 million

For a more detailed analysis of 1st Commerce Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 28, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 28, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for 1st Commerce Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.610% 3.500%
0.88 points
$3,438 fees
$1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to 1st Commerce Bank
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Climate Initiatives

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Financial Details

1st Commerce Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Commerce Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Commerce Bank U.S. Bank Average
224.27% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, 1st Commerce Bank had $1,309,000 in non-current loans and $2,055,000 in owned real estate. To cover these potential losses it had $528,000 in equity and $972,000 in loans loss reserves. That gives it a Texas Ratio of 224.27%.

Return on Equity
1st Commerce Bank U.S. Bank Average
60.29% 11.29%

1st Commerce Bank has a Return on Equity of 60.29% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

1st Commerce Bank U.S. Bank Average
2.62% 11.72%

1st Commerce Bank has a Capitalization of 2.62% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Commerce Bank Balance Sheet Analysis

As of March 31, 2013, 1st Commerce Bank had assets of $20,152,000, loans of $13,426,000, and deposits of $19,579,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.43 million
Loan loss allowance $ 0.97 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.06 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 19.58 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 20.15 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in 1st Commerce Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Nevada, 1st Commerce Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.63
Small Business Loans 68.91
Construction and Development Loans 3.44
Commercial Real Estate 84.54
Commercial and Industrial Loans 15.27
Farm Loans 0.00

Frequently Asked Questions About 1st Commerce Bank

Branches and Savings

Is 1st Commerce Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58358.

Why does 1st Commerce Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Commerce Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Commerce Bank a commercial bank?


Where are 1st Commerce Bank locations?

See branch locations nearby.

Is 1st Commerce Bank open on Saturdays?

Is 1st Commerce Bank open on Sundays?

What time does 1st Commerce Bank open?

What time does 1st Commerce Bank close?

Are 1st Commerce Bank ATMs Open 24/7?

Do 1st Commerce Bank ATMs accept cash deposits?

Can 1st Commerce Bank customers use other ATMs?

Do 1st Commerce Bank branches have notaries?

Will 1st Commerce Bank notarize my document?

What address for 1st Commerce Bank should I put for incoming ACH transfers?

Will the 1st Commerce Bank branch print checks?

Do 1st Commerce Bank checks expire?

Does 1st Commerce Bank require US citizenship to open account?

Can 1st Commerce Bank close my account?

Does 1st Commerce Bank Report to credit bureaus?

Does 1st Commerce Bank Use Equifax?

What is 1st Commerce Bank's ACH Routing Number?

What is 1st Commerce Bank's SWIFT code?


Does 1st Commerce Bank offer mortgages?

Compare mortgage rates here.

Does 1st Commerce Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Commerce Bank offer personal loans?

Compare personal loan rates here.

Does 1st Commerce Bank offer student loans?

Will 1st Commerce Bank cash a check?

Will 1st Commerce Bank redeem a savings bond?

Does 1st Commerce Bank cash savings bonds?

Will 1st Commerce Bank cash money orders?

Can 1st Commerce Bank issue a money order?

Does 1st Commerce Bank do currency exchange?

Background on The Bank

Who owns 1st Commerce Bank?

How long has 1st Commerce Bank been around?

Can 1st Commerce Bank transfer to other banks?

Does 1st Commerce Bank have quick pay?

Does 1st Commerce Bank accept rolled coins?

Will 1st Commerce Bank accept loose change?

Where is 1st Commerce Bank headquarters?

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