TellerScore

First Commercial Bank, National Association is a national bank headquartered in Seguin, Texas, in business for about 43 years. At the end of Q2 2026 it reported $565.9M in total assets and $502.1M in deposits, with 7 offices.

First Commercial Bank, National Association has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 186th. Problem-loan coverage contributes the most (96/100, 2.2%); capital cushion contributes the least (53/100, 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 59.5% · 35.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the earnings component improved by 6 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202476
Q1 202570
Q2 202571
Q3 202573
Q4 202574
Q1 202672
Q2 202673
Tier 1 leverage ratio
5.00%7.63%10.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.95%
Q3 20249.88%
Q4 20249.93%
Q1 202510.11%
Q2 20259.91%
Q3 20259.98%
Q4 202510.09%
Q1 202610.15%
Q2 202610.25%
Noncurrent loans
0.00%0.27%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.07%
Q4 20240.00%
Q1 20250.54%
Q2 20250.37%
Q3 20250.31%
Q4 20250.31%
Q1 20260.42%
Q2 20260.45%
Return on assets
1.22%1.32%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.43%
Q4 20241.41%
Q1 20251.22%
Q2 20251.23%
Q3 20251.28%
Q4 20251.31%
Q1 20261.33%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$565.9M10.25%0.45%1.37%59.5%
Q1 202672$566.4M10.15%0.42%1.33%61.5%
Q4 202574$558.9M10.09%0.31%1.31%61.7%
Q3 202573$535.9M9.98%0.31%1.28%65.7%
Q2 202571$525.5M9.91%0.37%1.23%66.8%
Q1 202570$528.0M10.11%0.54%1.22%65.5%
Q4 202476$525.8M9.93%0.00%1.41%69.2%
Q3 202475$513.3M9.88%0.07%1.43%72.7%
Q2 202475$491.0M9.95%0.02%1.38%76.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.25%
37th
Total risk-based capital20.30%
87th
Problem loans0.45%
48th
Net charge-offs0.00%
55th
Return on assets1.37%
57th
Net interest margin4.02%
55th
Efficiency ratio69.7%
31st
Loans to deposits59.5%
83rd
Uninsured deposits35.3%
17th
Loan-loss reserves1.48%
77th
Texas ratio2.2%
56th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Trinity Bank, N.A.Bank Fort Worth, TX83 out of 100, Strong$569.1M12.8%0.00%vs
Texas Traditions BankBank Katy, TX69 out of 100, Moderate$555.9M9.4%0.00%vs
The Karnes County National Bank of Karnes CityBank Karnes City, TX46 out of 100, Below average$577.4M10.8%2.15%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs

Deposit insurance

Is my money safe at First Commercial Bank, National Association?

Yes. First Commercial Bank, National Association is an FDIC-insured institution (FDIC certificate #24603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.3% of deposits ($177.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.30% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

First Commercial Bank, National Association lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Commercial Bank, National Association reported 45 home-loan applications under HMDA (LEI 549300NFAQXBUC5NPK66): 26 originated ($7,400,000 total), 7 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Commercial Bank, National Association
Type
National bank
FDIC certificate #
24603
RSSD ID
400365
Primary regulator
OCC
Holding company
First Coml Finl Corp
Established
July 1, 1983
Headquarters
1336 E Court St, Seguin, TX 78155
Employees
92

Quick answers

First Commercial Bank, National Association: common questions

Is First Commercial Bank, National Association FDIC insured?

Yes. First Commercial Bank, National Association is an FDIC-insured institution (FDIC certificate #24603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Commercial Bank, National Association's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Commercial Bank, National Association ever failed?

There is no failure record for FDIC certificate #24603 in the FDIC failed bank list.

How many branches does First Commercial Bank, National Association have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seguin

InstitutionScoreAssetsCapitalProblem loansCompare
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Ozona BankBank Ozona, TX79 out of 100, Strong$346.1M12.3%0.00%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs