Question 1

What is First Commerce Bank (New Jersey)?

Accepted Answer

First Commerce Bank (New Jersey) is a community-focused commercial bank headquartered in Lakewood, New Jersey. With approximately $1.71 billion in total assets and 11 branch locations across central and northern New Jersey, the bank specializes in relationship-driven banking services for individuals, small businesses, and commercial real estate developers. Operating within the New York-Newark-Jersey City metropolitan area, First Commerce Bank emphasizes personalized service and local decision-making.

The bank is part of First Commerce Bancorp Inc. (RSSD ID 5809066) and holds FDIC Certificate #58054.

Question 2

When was First Commerce Bank (New Jersey) founded?

Accepted Answer

First Commerce Bank (New Jersey) was originally established on January 30, 2006, under the name Northern State Bank in Closter, New Jersey. The bank was founded by a group of local business leaders who recognized the need for a locally owned and locally managed community bank to serve New Jersey's diverse business communities.

On June 7, 2011, the institution changed its name to First Commerce Bank. Shortly after, on June 24, 2011, the bank relocated its headquarters from Closter to Lakewood, New Jersey, positioning itself to better serve the growing markets in Ocean County and central New Jersey.

Question 3

Where is First Commerce Bank (New Jersey) headquartered?

Accepted Answer

First Commerce Bank (New Jersey) is headquartered at 105 River Avenue, Lakewood, New Jersey, 08701, in Ocean County. The headquarters serves as both the main office and a full-service branch location for customers in the Lakewood area.

Question 4

Where does First Commerce Bank (New Jersey) operate?

Accepted Answer

First Commerce Bank operates through 11 branch locations across five New Jersey counties: Ocean County, Bergen County, Mercer County, Monmouth County, and Burlington County. The bank's branch network includes locations in:
• Ocean County: Lakewood (headquarters), Jackson
• Bergen County: Closter, Englewood, Teaneck, Fairfield
• Monmouth County: Freehold
• Mercer County: Allentown, Robbinsville (Trenton area)
• Burlington County: Bordentown

This strategic geographic footprint allows First Commerce Bank to serve communities throughout central and northern New Jersey, with particularly strong presence in the New York-Newark-Jersey City metropolitan statistical area.

Question 5

What services does First Commerce Bank (New Jersey) offer?

Accepted Answer

First Commerce Bank provides a comprehensive suite of banking products and services designed for both individuals and businesses:

Personal Banking: Checking accounts, savings accounts, relationship savings accounts, money market accounts, certificates of deposit (CDs), and consumer loans.

Business Banking: Business checking accounts, business money market accounts, business savings, merchant services, and treasury management solutions.

Commercial Real Estate & Construction Lending: The bank specializes in real estate and construction financing for local developers and investors, including owner-occupied and non-owner-occupied properties. This is a core strength of the institution.

Commercial Lending: Commercial and industrial loans, equipment financing, lines of credit, and working capital solutions for small and medium-sized businesses.

Digital Banking: Online banking platform with cash management systems, mobile banking app with 24/7 access, mobile deposit, bill pay, and account alerts.

Each customer is paired with a dedicated relationship manager who provides personalized support and understands their specific financial objectives.

Question 6

What makes First Commerce Bank (New Jersey) unique?

Accepted Answer

First Commerce Bank distinguishes itself through several key attributes:

Relationship-Driven Banking: Every customer is assigned a dedicated relationship manager, ensuring personalized attention and continuity of service. This approach contrasts with larger national banks where customers often interact with different representatives.

Local Decision-Making: The bank maintains direct access to decision-makers, enabling faster loan approvals and more flexible solutions tailored to local market conditions. This is particularly valuable for real estate developers and business owners who need responsive financing.

Real Estate Expertise: First Commerce Bank has developed specialized expertise in commercial real estate and construction lending, with a diversified team of commercial lending professionals who understand the New Jersey market intimately.

Five-Star Service Standards: The bank operates under a structured service philosophy emphasizing being Friendly, Fast & Accurate, Finding Solutions, Following Through, and making banking Fun—creating a distinctive customer experience.

Community Reinvestment: As a community bank, deposits are reinvested locally through loans, sponsorships, and partnerships, directly supporting economic growth, job creation, and local businesses in the communities served.

Community-First Mission: Founded with the vision of helping businesses and communities prosper, First Commerce Bank maintains a strong commitment to local economic development and community well-being.

Question 7

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

Accepted Answer

First Commerce Bank (New Jersey) is a state-chartered commercial bank regulated by the Federal Deposit Insurance Corporation (FDIC) and the New Jersey Department of Banking and Insurance. The bank is not a member of the Federal Reserve System.

As a commercial bank, First Commerce Bank emphasizes business and commercial lending, particularly in real estate and construction financing, while also offering full retail banking services to individual consumers. The institution operates as a traditional community bank with commercial lending specialization, combining the personalized service of a local institution with the sophistication and product offerings needed to serve businesses of varying sizes.

With approximately 164 employees and a focus on relationship banking, First Commerce Bank exemplifies the community banking model that prioritizes long-term customer relationships and local market expertise over transaction volume.

First Commerce Bank (New Jersey)

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About First Commerce Bank (New Jersey) in the United States