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First Commercial Bank, National Association
Seguin, TX · FDIC Certificate #24603 · Chartered 07/0
Total assets
$565.93M
Total deposits
$502.05M
Total equity
$57.48M
Net loans
$298.62M
Branches (offices)
7
Net income (YTD)
$3.86M
Rank: #1,629 of 4,213 U.S. banks by assets · #149 of 346 in Texas. Assets changed 7.7% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 13.63% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 10.16% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 35.3% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.5% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $265.17M | 88.8% | |
| Commercial & industrial | $24.01M | 8.0% | |
| Consumer / individual | $4.46M | 1.5% | |
| Construction & development | $37.08M | 12.4% | |
| Agricultural | $123.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $532.93M | $491.14M | $3.26M | $38.43M |
| Jun 2023 | $495.56M | $448.46M | $5.01M | $42.08M |
| Jun 2024 | $490.97M | $428.16M | $3.39M | $46.62M |
| Jun 2025 | $525.51M | $466.27M | $3.24M | $52.88M |
| Jun 2026 | $565.93M | $502.05M | $3.86M | $57.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $502.05M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $502.05M.
Similar-sized banks
Redwood Capital Bank ($566.04M) · Farmers And Merchants Bank ($565.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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