First Commercial Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Commercial Bank, N.A. is an FDIC-insured commercial bank headquartered in Seguin, TX, established in 1983 (FDIC certificate 24603), and it is supervised by the OCC. At Q2 2026 it reported total assets of $565.9M, up 7.7% from Q2 2025, the 149th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 19.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24603
- Headquarters
- Seguin, TX
- Established
- 1983
- Total assets, Q2 2026
- $565.9M
- Assets vs Q2 2025
- +7.7%
- CET1 ratio, Q2 2026
- 19.05%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 114912220
- Latest call report
- Q2 2026, FFIEC 051 · First Commercial Bank, N.A. call report
- Holding company
- FIRST COMMERCIAL FINANCIAL CORP
- Asset rank in state
- 149th of 346 in Texas
First Commercial Bank, N.A., based in Seguin, Texas, reported $566 million in assets at June 30, 2026, up 7.7% from a year earlier. It shrank its loan book 4.0% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%).
Net income for the quarter rose 22% from a year earlier, to $2.0 million. Over the same year, loans shrank 4.0% and deposits grew 7.7%.
As of June 30, 2026, First Commercial Bank, N.A. reported a CET1 capital ratio of 19.05%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.25%. The figures come from its call report filed with the FFIEC.
First Commercial Bank, N.A. ranks as the 149th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $565.9M, loans fell 3.6% and deposits fell 0.4%. 1-4 family residential loans made up 29.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.9%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in TX; its New Braunfels 2 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, First Commercial Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1336 E Court St, Seguin, TX 78155
- County
- Guadalupe
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1983
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $502.1M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $560.2M
- Average total loans
- $304.9M
- Average interest-bearing deposits
- $305.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1983
- FDIC Cert
- 24603
- Fed RSSD
- 400365
- Website
- www.1cb.com →
- Parent Holding Company
- FIRST COMMERCIAL FINANCIAL CORP (RSSD 2299992)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Commercial Bank, N.A.'s total assets ranged from $491.0M (Q2 2024) to $566.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$565.9M total assets against $525.5M; $508.4M total liabilities against $472.6M.
$298.6M net loans and leases against $311.3M; $502.1M total deposits against $466.3M.
$80.3M securities against $57.7M; $158.3M cash and balances due against $133.6M.
$7.2M total interest income against $7.0M; $1.8M total interest expense against $1.9M.
$5.4M net interest income against $5.0M.
$1.0M total noninterest income against $954K; $4.5M total noninterest expense against $4.4M.
$0 provision for credit losses against $0.
$2.0M net income against $1.6M.
1.42% return on assets against 1.21%; 4.13% net interest margin against 3.92%.
19.05% CET1 capital ratio against 17.31%; 10.25% tier 1 leverage ratio against 9.91%.
Inside the full First Commercial Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Commercial Bank, N.A. rankings
Its closest position to the top of a national ranking is 391 of 2,134, for CET1 ratio; its furthest is 2,668 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q2 2025) to 1.53% (Q3 2024) and its net interest margin ran from 3.71% (Q1 2025) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.05% | 1.42% | 0.45% | 2.25% | 4.13% |
| Q1 2026 | 18.14% | 1.35% | 0.42% | 2.22% | 4.01% |
| Q4 2025 | 18.00% | 1.42% | 0.31% | 1.62% | 4.06% |
| Q3 2025 | 17.42% | 1.36% | 0.31% | 1.72% | 4.00% |
| Q2 2025 | 17.31% | 1.21% | 0.37% | 2.11% | 3.92% |
| Q1 2025 | 16.97% | 1.23% | 0.54% | 3.10% | 3.71% |
| Q4 2024 | 16.45% | 1.36% | 0.00% | 0.22% | 3.89% |
| Q3 2024 | 15.52% | 1.53% | 0.07% | 0.64% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Bruanfels Branch-725 Branch | New Braunfels , TX | 78130 | $134.3M |
| First Commercial Bank, N.A. (main office) | Seguin , TX | 78155 | $130.4M |
| Jourdanton State Bank Branch | Jourdanton , TX | 78026 | $108.5M |
| New Braunfels Branch | New Braunfels , TX | 78132 | $60.4M |
| San Antonio Branch | San Antonio , TX | 78216 | $29.5M |
| Pearsall Branch | Pearsall , TX | 78061 | $24.1M |
| Lincoln Heights Branch | San Antonio , TX | 78209 | $14.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 7, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 7, 2016 | Structure Change | Acquired Jourdanton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 1989 | Structure Change | Acquired Lakeway National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 9, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- August 16, 1999, OCC: Formal Agreement: First Commercial Bank, N.A.
- January 24, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First Commercial Bank, N.A.
- Period: Most recent institution action August 16, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 185 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 26 loans originated, $7.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.1M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Commercial Bank, N.A.
What are First Commercial Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Commercial Bank, N.A. reported total assets of $565.9 million in its FFIEC call report.
Where is First Commercial Bank, N.A. headquartered?
It is headquartered in Seguin, TX, United States.
When was First Commercial Bank, N.A. founded?
It was established in 1983, per the FDIC institution directory.
Is First Commercial Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Commercial Bank, N.A.?
First Commercial Bank, N.A.'s primary federal regulator is the OCC.
What is First Commercial Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Commercial Bank, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Commercial Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 2.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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