B
First Commercial Bank, National Association
Seguin,  TX
Rating Date
October 2025
Risk Based
Capital Ratio
18.67
Leverage
Ratio
9.98
Return On
Assets
1.27%
Total
Assets
535.92M
Capital
54.34M
Total
Deposits
474.82M
Net
Income
5.08M
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Weiss Ratings First Commercial Bank, National Association
Seguin, TX 		Click to
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Rating B
Asset Quality Index 8.50
Capitalization Index 8.50
Liquidity Index 3.20
Profitability Index 5.50
Stability Index 7.50
Company Info First Commercial Bank, National Association
Seguin, TX 		Click to
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FDIC Number 24603
Phone Number (830) 379-8390
Website www.1cb.com
Asset Quality First Commercial Bank, National Association
Seguin, TX 		Click to
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1-Year Asset Growth 4.42%
5-Year Asset Growth 9.16%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.68%
Non-Performing Loans to Loans 0.31%
Balance Sheet First Commercial Bank, National Association
Seguin, TX 		Click to
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Total Assets 535.92M
Total Deposits 474.82M
Capital and Reserves First Commercial Bank, National Association
Seguin, TX 		Click to
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Capital 54.34M
Leverage Ratio 9.98
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 18.67
Liquidity First Commercial Bank, National Association
Seguin, TX 		Click to
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Hot Money Ratio 24.98%
Liquidity Ratio 33.69%
Profitability First Commercial Bank, National Association
Seguin, TX 		Click to
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5-Year Return on Average Assets 1.36%
Net Income 5.08M
Net Interest Spread 3.88%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 71.10%
Return on Assets 1.27%
Return on Equity 12.98%