First Commercial Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Commercial Bank, N.A. of Seguin, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 13.94% | 13.31% | +0.63% | 60th above |
| Net Interest Margin | 4.13% | 3.93% | +0.20% | 61st above |
| Efficiency Ratio | 69.00% | 61.14% | +7.86% | 30th below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 5.50% | 5.67% | -0.17% | 45th below |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 73rd above |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 51st above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.48% | 1.28% | +0.20% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 372.44% | 1539.37% | -1166.93% | 65th above |
| Texas Ratio | 2.25% | 7.33% | -5.08% | 61st above |
| Provision / NCO | 0.00% | 1396.65% | -1396.65% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.05% | 19.50% | -0.45% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.05% | 19.54% | -0.49% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.30% | 20.62% | -0.32% | 74th above |
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets | 10.16% | 11.38% | -1.22% | 47th below |
| TCE / Tangible Assets | 9.91% | 11.09% | -1.18% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.37% | 80.65% | -20.28% | 83rd top |
| Core Deposit Ratio | 82.72% | 86.86% | -4.14% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.69% | 6.85% | +0.84% | 74th above |
| Loan Growth (Y/Y) | -4.04% | 7.91% | -11.95% | 10th bottom |
| Deposit Growth (Y/Y) | 7.67% | 6.29% | +1.38% | 74th above |
See First Commercial Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Commercial Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Commercial Bank, N.A. profile, how to read a UBPR, or how this data updates.