First Commerce Bancorp, Inc. (CMRB)

First Commerce Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	78.62	71.4	67.21	50.09	44.44
Interest Income on Investments	13.02	7.27	4.87	2.88	1.78
Total Interest Income	91.63	78.67	72.08	52.97	46.22
Interest Paid on Deposits	39.95	37.83	27.42	5.97	3.64
Interest Paid on Borrowings	9.92	7.92	5.27	0.63	-
Total Interest Expense	49.87	45.75	32.69	6.6	3.64
Net Interest Income	41.76	32.91	39.39	46.37	42.57
Net Interest Income Growth (YoY)	26.88%	-16.44%	-15.05%	8.91%	14.16%
Other Non-Interest Income	3.57	2.08	2.52	2	0.94
Total Non-Interest Income	3.57	2.08	2.52	2	0.94
Non-Interest Income Growth (YoY)	71.77%	-17.47%	26.27%	113.14%	-4.88%
Revenues Before Loan Losses	45.33	34.99	41.91	48.36	43.51
Provision for Loan Losses	1.6	0.31	-4.73	-0.36	-0.59
Revenue	43.74	34.69	46.64	48.72	44.1
Revenue Growth (YoY)	26.10%	-25.63%	-4.28%	10.49%	25.34%
Salaries and Employee Benefits	19.39	17.9	17.14	15.85	13.17
Occupancy Expenses	4.74	3.72	3.16	3.18	2.4
Federal Deposit Insurance	1.08	0.72	0.68	0.53	0.26
Selling, General & Administrative	3.92	3.36	4.38	3.66	3.27
Other Non-Interest Expense	3.87	3.4	2.78	3.46	2.45
Total Non-Interest Expense	33	29.09	28.2	26.85	21.67
EBT Excluding Unusual Items	10.74	5.6	18.43	21.87	22.43
Pretax Income	10.74	5.6	18.43	21.87	22.43
Income Tax Expense	2.49	1.08	4.66	5.28	5.74
Net Income	8.26	4.52	13.78	16.59	16.69
Net Income to Common	8.26	4.52	13.78	16.59	16.69
Net Income Growth	82.61%	-67.18%	-16.98%	-0.55%	57.66%
Basic Shares Outstanding	20	22	24	24	23
Diluted Shares Outstanding	20	22	24	24	24
Shares Change (YoY)	-7.26%	-9.01%	-0.43%	1.66%	2.12%
EPS (Basic)	0.41	0.21	0.58	0.70	0.72
EPS (Diluted)	0.41	0.21	0.58	0.69	0.71
EPS Growth	96.53%	-64.03%	-15.94%	-2.82%	54.35%
Dividend Per Share	-	0.080	0.160	0.040	-
Dividend Growth	-	-50.00%	300.00%	-	-
Effective Tax Rate	23.14%	19.21%	25.26%	24.12%	25.60%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.