B
First Commercial Bank, National Association
Seguin,  TX
Rating Date
June 2025
Risk Based
Capital Ratio
18.23
Leverage
Ratio
10.11
Return On
Assets
1.23%
Total
Assets
528.01M
Capital
51.57M
Total
Deposits
470.78M
Net
Income
1.61M
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Weiss Ratings First Commercial Bank, National Association
Seguin, TX 		Click to
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Rating B
Asset Quality Index 7.80
Capitalization Index 8.70
Liquidity Index 3.30
Profitability Index 5.60
Stability Index 7.40
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 6.47%
5-Year Asset Growth 9.16%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 2.97%
Non-Performing Loans to Loans 0.43%
Balance Sheet First Commercial Bank, National Association
Seguin, TX 		Click to
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Total Assets 528.01M
Total Deposits 470.78M
Capital and Reserves First Commercial Bank, National Association
Seguin, TX 		Click to
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Capital 51.57M
Leverage Ratio 10.11
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 18.23
Liquidity First Commercial Bank, National Association
Seguin, TX 		Click to
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Hot Money Ratio 24.94%
Liquidity Ratio 34.06%
Profitability First Commercial Bank, National Association
Seguin, TX 		Click to
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5-Year Return on Average Assets 1.36%
Net Income 1.61M
Net Interest Spread 3.71%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 71.61%
Return on Assets 1.23%
Return on Equity 12.66%