BanksFIRST COMMERCIAL BANK, NATIONAL ASSOCIATION

FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION

SEGUIN, TXMediumEst. July 1, 1983, midnightFDIC #24603RSSD #400365OCC
Latest · 2025-12-31

FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in SEGUIN, TX, established in July 1, 1983, midnight. As of 2025-12-31, the bank reported total assets of $559M and total deposits of $497M. Profitability stands at 1.42% ROA and 14.14% ROE, with a net interest margin of 4.06%. CET1 capital ratio: 18.00%, well above regulatory minimums. NPL ratio: 0.31% · Texas Ratio: 1.58%. Operates 7 domestic branches.

Assets
$559M
Deposits
$497M
Loans
$311M
Equity
$56M

Profitability

Return on Assets (ROA)1.42%
Return on Equity (ROE)14.14%
Net Interest Margin4.06%
Yield on Assets5.52%
Cost of Funds1.56%

Asset Quality

NPL Ratio0.31%
Net Charge-Off Ratio0.06%
Texas Ratio1.58%
NPA Ratio0.17%
ACL / Loans1.44%

Capital & Liquidity

CET1 Ratio18.00%
Tier 1 Capital18.00%
Total Capital Ratio19.25%
Leverage Ratio10.09%
Loan-to-Deposit62.59%

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