Side-by-side · Q2 2026 data
First Commercial Bank, National Association vs Frio County Federal Credit Union
Metric by metric
| Measure | First Commercial Bank, National Association | Frio County Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 85 (stronger) | 79 |
| Earnings | 75 (stronger) | 0 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 53rd | 34th |
| Total assets | $565.9M | $5.3M |
| Deposits / shares | $502.1M | $3.3M |
| Capital ratio | 10.25% | 37.35% (stronger) |
| Problem loans | 0.45% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 3.19% |
| Return on assets | 1.37% (stronger) | -1.42% |
| Loans ÷ deposits | 59.5% (stronger) | 126.0% |
| Uninsured deposits | 35.3% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.6% | — |
First Commercial Bank, National Association has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Commercial Bank, National Association leads on 5 and Frio County Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Pearsall, TX