First Commerce Bank

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. Our financing solutions include long term financing for the acquisition, refinance or construction of commercial real estate, multiple tenant investment properties, mixed-use buildings or industrial/manufacturing facilities. We provide both fixed and variable rate financing with terms up to 25 years. The maximum loan-to-value varies, but will not exceed 75% of cost, or appraised value, whichever is less.