What is First Commercial Bank, National Association's financial health grade?

First Commercial Bank, National Association has a TFS Financial Health Grade of C (score: 75.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Commercial Bank, National Association have?

First Commercial Bank, National Association has 7 branch locations across the United States.

Is First Commercial Bank, National Association FDIC insured?

Yes, First Commercial Bank, National Association is FDIC insured (Certificate #24603).

What are the total assets of First Commercial Bank, National Association?

First Commercial Bank, National Association has total assets of $558.9M as reported in its most recent FDIC filing.

First Commercial Bank, National Association

BankSeguin, Texas

www.1cb.com

Total Assets

$558.9M

Total Deposits

$496.8M

Branches

Established

1983

TFS Health Grade

75.7 / 100

Average financial health

How we grade

First Commercial Bank, National Association is a bank headquartered in Seguin, Texas, established in 1983. With $558.9M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (75.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.09%(8%)

Total Capital Ratio

19.25%(10%)

Non-Performing Loan Ratio

0.31%

Profitability

Return on Assets (ROA)

1.31%(1%)

Return on Equity (ROE)

13.28%(10%)

Net Interest Margin

3.98%

Efficiency Ratio

70.38%(60%)

Lending & Liquidity

Total Loans

$311.0M

Loan-to-Deposit Ratio

61.69%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+6.30%

Deposit Growth (YoY)

+8.11%

Net Income

$7.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Commercial Bank, National AssociationHQ	1336 E Court St	Seguin	TX	11
First Commercial Bank, National Association	1301 Oak Street	Jourdanton	TX	11
First Commercial Bank, National Association	1656 State Highway 46 W	New Braunfels	TX	11
First Commercial Bank, National Association	1525 S Seguin Ave	New Braunfels	TX	11
First Commercial Bank, National Association	1837 W Comal St	Pearsall	TX	11
First Commercial Bank, National Association	120 E Basse Rd	San Antonio	TX	11
First Commercial Bank, National Association	13333 Blanco Rd	San Antonio	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.