B
First Commercial Bank, National Association
Seguin,  TX
Rating Date
August 2026
Risk Based
Capital Ratio
20.30
Leverage
Ratio
10.25
Return On
Assets
1.38%
Total
Assets
565.93M
Capital
57.49M
Total
Deposits
502.05M
Net
Income
3.86M
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Weiss Ratings First Commercial Bank, National Association
Seguin, TX 		Click to
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Rating B
Asset Quality Index 8.00
Capitalization Index 8.90
Liquidity Index 3.80
Profitability Index 5.70
Stability Index 7.60
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 7.69%
5-Year Asset Growth 5.09%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 2.20%
Non-Performing Loans to Loans 0.40%
Balance Sheet First Commercial Bank, National Association
Seguin, TX 		Click to
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Total Assets 565.93M
Total Deposits 502.05M
Capital and Reserves First Commercial Bank, National Association
Seguin, TX 		Click to
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Capital 57.49M
Leverage Ratio 10.25
Loan Loss Reserves to Loans 1.48%
Risk-Based Capital Ratio 20.30
Liquidity First Commercial Bank, National Association
Seguin, TX 		Click to
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Hot Money Ratio 24.49%
Liquidity Ratio 40.41%
Profitability First Commercial Bank, National Association
Seguin, TX 		Click to
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5-Year Return on Average Assets 1.38%
Net Income 3.86M
Net Interest Spread 4.07%
Operating Profit to Average Assets 1.38%
Overhead Efficiency Ratio 69.70%
Return on Assets 1.38%
Return on Equity 13.63%