Question 1

What is First Commerce Bank (Tennessee)?

Accepted Answer

First Commerce Bank (Tennessee) is a locally owned and managed community bank headquartered in Lewisburg, Tennessee. Established in 2002 by a group of local residents with the support of over 1,000 shareholders, the bank serves the southern Middle Tennessee region with a focus on personalized customer service and community-oriented banking.

As of February 2025, First Commerce Bank operates with approximately $882 million in total assets and $775 million in deposits across 6 locations. The bank specializes in both personal and business banking services, maintaining a strong commitment to supporting local individuals and small businesses throughout its market area.

Question 2

When was First Commerce Bank (Tennessee) founded?

Accepted Answer

First Commerce Bank (Tennessee) was founded on December 2, 2002. The bank was created by a group of local people who recognized the need for a locally owned, locally managed community bank in Marshall County and the surrounding region.

With the financial backing of more than 1,000 shareholders from the community, the founders brought their vision to life. The bank's founding purpose was to provide competitive banking products combined with superior customer service, differentiating itself from larger regional or national banks by maintaining local ownership and decision-making authority.

Since its inception, First Commerce Bank has experienced strong growth thanks to community support, evolving from a single location into a multi-branch institution serving five counties across southern Middle Tennessee.

Question 3

Where is First Commerce Bank (Tennessee) headquartered?

Accepted Answer

First Commerce Bank (Tennessee) is headquartered in Lewisburg, Tennessee, located in Marshall County. The main office is situated at 500 N Ellington Parkway in Lewisburg, serving as the bank's operational center and flagship branch.

Lewisburg, the county seat of Marshall County, is positioned in southern Middle Tennessee and provides First Commerce Bank with a strategic location to serve the broader region.

Question 4

Where does First Commerce Bank (Tennessee) operate?

Accepted Answer

First Commerce Bank (Tennessee) operates throughout southern Middle Tennessee with 6 branch locations across five counties. The bank maintains offices in:
• Lewisburg (Marshall County) - Main Office
• Chapel Hill (Marshall County)
• Fayetteville (Lincoln County)
• Shelbyville (Bedford County)
• Murfreesboro (Rutherford County)

The bank's service area encompasses the Lewisburg, TN Core Based Statistical Area and surrounding communities. This regional focus allows First Commerce Bank to maintain deep community relationships while serving a diverse market that includes rural communities, small towns, and the growing Murfreesboro area.

Question 5

What services does First Commerce Bank (Tennessee) offer?

Accepted Answer

First Commerce Bank (Tennessee) provides comprehensive personal and business banking services, including:

Personal Banking:
• Checking and savings accounts
• Money market accounts
• Certificates of deposit (CDs)
• Personal loans
• Mortgage lending services

Business Banking:
• Business checking and savings accounts
• Business money market accounts
• Commercial loans
• Real estate loans
• Construction financing
• Commercial lending solutions

Digital Banking:
• Online banking platform
• Mobile banking app with account access and management
• Mobile check deposit
• Bill pay services
• Fund transfers
• Account alerts and notifications

The bank emphasizes accessible banking technology while maintaining the personal touch of community banking, allowing customers to manage their finances remotely while still having access to local bankers who understand their needs.

Question 6

What makes First Commerce Bank (Tennessee) unique?

Accepted Answer

First Commerce Bank (Tennessee) distinguishes itself through several key characteristics:

Local Ownership and Control: With over 1,000 local shareholders, the bank maintains true community ownership and local decision-making authority. This structure allows for faster lending decisions and a genuine understanding of local market conditions.

Community-Focused Mission: The bank's mission is "to be the best at serving our customers one opportunity at a time," reflecting a philosophy that prioritizes individual customer relationships over transaction volume. The bank's tagline "People First" underscores this commitment.

Strong Leadership with Deep Local Roots: The bank's board of directors and management team are composed of established community leaders with extensive experience in banking, healthcare, business, and civic affairs. Chairman William B. Marsh previously served as Chairman of the Tennessee Bankers Association, bringing statewide expertise to local banking.

Impressive Financial Performance: First Commerce Bank maintains a Return on Assets (ROA) of 1.89% and Return on Equity (ROE) of 18.64%, demonstrating strong profitability and efficient operations compared to industry averages.

Small Business Advocate: The bank positions itself as a champion for small businesses, offering specialized financing options and personalized service designed to help local entrepreneurs start and grow their ventures.

Question 7

What type of financial institution is First Commerce Bank (Tennessee)?

Accepted Answer

First Commerce Bank (Tennessee) is a Community Bank. This designation reflects its locally owned structure, community-focused mission, and regional operating footprint.

As a community bank, First Commerce Bank operates under a business model that emphasizes relationship banking over standardized product delivery. The bank's leadership maintains ties to the communities it serves through board membership, local investment, and civic involvement.

Unlike larger regional or national banks, community banks like First Commerce Bank make lending and business decisions locally, allowing for flexibility and responsiveness to individual customer needs. The bank is regulated by the FDIC and operates as a state-chartered banking institution in Tennessee.

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