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We are a community-based, full-service commercial bank that emphasizes the banking needs of small to medium-sized businesses, professional entities and individual consumers throughout the New Jersey and part of the New York trade areas. Our history begins in 2006 when we opened our doors as Northern State Bank, a state-chartered banking institution. In December of 2010, The Bank was recapitalized primarily by a group of local business people located in Ocean County who were seeking an investment and an outlet to service what appeared to be an ever-growing population growth in Lakewood and the surrounding communities we service. The Bank was renamed at that time to First Commerce Bank with our main office relocated to 105 River Avenue in Lakewood, NJ. Our Board of Directors was restructured to include several of the existing Board members of Northern State Bank with the addition of (11) new Board members primarily from the Ocean/Monmouth/Mercer County area. Since that time, The Bank has continued to grow and expand its branch network with (10) branches in all, located in the following towns:


January, 2006
April, 2011
April, 2013
May, 2013
October, 2013
April, 2014
March, 2015
March, 2015
March, 2016
July, 2017
February, 2018


Branch, 530 Piermont Road, Closter
Headquarters, 105 River Avenue, Lakewood
Operations Center, 105 River Avenue, Lakewood
Branch, 40 North Main Street, Allentown
Branch, 1008 Teaneck Road, Teaneck
Branch, 44 Engle Street, Englewood
Branch, 118A Schanck Road, Freehold
Branch, 101 Chestnut Ridge Road, Montvale
Branch, 1412 Route 130, Robbinsville
Branch, 280 Passaic Ave, Fairfield
Branch, 789 Farnsworth Ave, Bordentown


The above locations provide us with a presence in Ocean, Monmouth, Mercer and Bergen Counties to service our customer’s needs. Our deposit products are for both business and individual consumers with demand deposit accounts and cash management products supported by current technology and savings products that are competitive as to interest rate in today’s marketplace. Our loan products include Commercial Mortgages, Commercial Loans, Construction Mortgages, 1-4 family investment properties and Multi-Family funding. We are proud to be a Preferred Lender in the SBA 7(a) and Express Loan Programs that assist existing and new start-up businesses in accessing funding that may not be available on a conventional basis.

Our mission is to strive to provide the highest quality service for our customers, since we recognize that the commodity we sell is the same as or similar to our competitors. Our staff is competent and eager to assist our customers with the highest professional service available. We pride ourselves on our efficiency and responsiveness to customer needs and are driven to relationship building that serves as the backbone of our Balance Sheet with the ever-present goal of building franchise value for our stockholders. We are your true hometown community bank.