B
First Commercial Bank, National Association
Seguin,  TX
Rating Date
October 2025
Risk Based
Capital Ratio
18.57
Leverage
Ratio
9.91
Return On
Assets
1.22%
Total
Assets
525.51M
Capital
52.88M
Total
Deposits
466.27M
Net
Income
3.24M
My Lists My Alerts
Weiss Ratings First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.30
Capitalization Index 8.40
Liquidity Index 3.20
Profitability Index 5.50
Stability Index 7.50
Company Info First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 24603
Phone Number (830) 379-8390
Website www.1cb.com
Asset Quality First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 7.04%
5-Year Asset Growth 9.16%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 2.04%
Non-Performing Loans to Loans 0.37%
Balance Sheet First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 525.51M
Total Deposits 466.27M
Capital and Reserves First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 52.88M
Leverage Ratio 9.91
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 18.57
Liquidity First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 26.37%
Liquidity Ratio 33.78%
Profitability First Commercial Bank, National Association
Seguin, TX 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.36%
Net Income 3.24M
Net Interest Spread 3.82%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 72.19%
Return on Assets 1.22%
Return on Equity 12.57%