First Commercial Bank, National Association
Seguin, TX
IDRSSD: 400365
Total Assets
$535.92M
Latest filing
Total Deposits
$474.82M
Latest filing
Net Interest Margin
4.15%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Commercial Bank, National Association
1336 E Court St
Seguin, TX 78155
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1983FDIC Certificate 17087
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Commercial Bank, National Association (Main) | 1336 E Court St | Seguin, TX |
| JOURDANTON STATE BANK BRANCH | 1301 Oak Street | Jourdanton, TX |
| LINCOLN HEIGHTS BRANCH | 120 E Basse Rd | San Antonio, TX |
| PEARSALL BRANCH | 1837 W Comal St | Pearsall, TX |
| NEW BRAUNFELS BRANCH | 1656 State Highway 46 W | New Braunfels, TX |
| SAN ANTONIO BRANCH | 13333 Blanco Rd | San Antonio, TX |
| NEW BRUANFELS BRANCH-725 BRANCH | 1525 S Seguin Ave | New Braunfels, TX |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 07/01/1983 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78155 |
| State and County Number | 48187 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | San Antonio-New Braunfels, TX |
Operational Info
| Number of Employees | 91 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1983 |
| Primary Insurance Agency | DIF |
| Website | www.1cb.com |
| Data Updated | 11/14/2025 |
| CERT | 24603 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $535.92M |
| Total Deposits | $474.82M |
| Total Liabilities | $481.58M |
| Total Equity Capital | $54.34M |
| Net Income | $1.84M |
| Net Loans and Leases | $312.13M |
| Assets Per Employee ($Millions) | $5.95M |
| Bank Premises and Fixed Assets | $9.45M |
| Cash and Balances due from Depository Institutions | $123.72M |
| Deposits Held in Domestic Offices | $474.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 13.76% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 69.01% |
| Tier 1 Risk-Based Capital Ratio | 17.419% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.14% |
| Earning Assets to total Assets | 93.6% |
Income and Expense
| Total Interest Income | $7.15M |
| Total Noninterest Income | $939.00k |
| Total Interest Expense | $1.98M |
| Total Noninterest Expense | $4.22M |
| Net Interest Income | $5.17M |
| Pre-tax Net Operating Income | $1.84M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.75M |
| Total Liabilities and Capital | $535.92M |
Securities
| Securities | $72.11M |
| Available-for-sale debt securities | $72.11M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Commercial Bank, National Association?
$535.92M as of the latest filing.
How much are First Commercial Bank, National Association's total deposits?
$474.82M in total deposits.
Where is First Commercial Bank, National Association located?
Seguin, TX.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
7.
When was it established?
07/01/1983.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$312.13M (latest filing).
What is the total interest income (latest filing)?
$7.15M.