BlastPoint's Banking Scorecard
First Commercial Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 24603
Seguin, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Commercial Bank, National Association shows strong momentum with 2 strengths and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.37% below tier
- + Non-Interest-Bearing Deposit Share 19.95% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.9M
+6.3% YoY
+4.3% QoQ
|
-$832.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$306.5M
-3.7% YoY
-1.8% QoQ
|
-$669.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$496.8M
+8.1% YoY
+4.6% QoQ
|
-$667.8M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.31%
-6.9% YoY
+2.6% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.98%
+0.5% YoY
+0.4% QoQ
|
+0.31% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
70.38%
+3.3% YoY
-1.0% QoQ
|
+7.75% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.31%
-1.3% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
61.69%
-10.9% YoY
-6.2% QoQ
|
-21.37% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.00%
-2.0% YoY
+1.8% QoQ
|
+19.95% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+673.7% YoY
-7.0% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
18.00%
+9.4% YoY
+3.3% QoQ
|
+7.75% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.69%
+2.9% YoY
+25.4% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.69%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Community
Why this stands out
Current:
41.00%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.00% · Tier avg: 21.05%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.69% · Tier avg: 83.06%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.00% · Tier avg: 10.24%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
69
69th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.66%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
26
26th pctile
Efficiency Ratio
Current: 70.38% · Tier avg: 62.63%
13
13th pctile
Total Deposits
Current: $496.8M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $558.9M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $306.5M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $306.5M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $558.9M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $496.8M · Tier avg: $1.2B
26
26th pctile
Efficiency Ratio
Current: 70.38% · Tier avg: 62.63%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
69
69th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.66%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.00% · Tier avg: 10.24%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.69% · Tier avg: 83.06%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 41.00% · Tier avg: 21.05%