B
First Commercial Bank, National Association
Seguin,  TX
Rating Date
March 2026
Risk Based
Capital Ratio
19.25
Leverage
Ratio
10.09
Return On
Assets
1.31%
Total
Assets
558.88M
Capital
55.88M
Total
Deposits
496.84M
Net
Income
7.03M
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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 8.60
Liquidity Index 3.60
Profitability Index 5.60
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 6.30%
5-Year Asset Growth 5.09%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.60%
Non-Performing Loans to Loans 0.31%
Balance Sheet First Commercial Bank, National Association
Seguin, TX 		Click to
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Total Assets 558.88M
Total Deposits 496.84M
Capital and Reserves First Commercial Bank, National Association
Seguin, TX 		Click to
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Capital 55.88M
Leverage Ratio 10.09
Loan Loss Reserves to Loans 1.44%
Risk-Based Capital Ratio 19.25
Liquidity First Commercial Bank, National Association
Seguin, TX 		Click to
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Hot Money Ratio 24.74%
Liquidity Ratio 37.98%
Profitability First Commercial Bank, National Association
Seguin, TX 		Click to
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5-Year Return on Average Assets 1.36%
Net Income 7.03M
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 70.38%
Return on Assets 1.31%
Return on Equity 13.28%