BlastPoint's Banking Scorecard

First Commercial Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 24603

Seguin, TX

7 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +7.7% year over year ($502.1M on the books).
Delinquency rate 0.45%.
Return on assets 1.37%.
Efficiency ratio 69.70% vs a 64.48% peer average.
Loan-to-deposit ratio 59.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

First Commercial Bank, National Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 17.24% above tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 25.8% in tier
- Efficiency Ratio 5.23% above tier average

Get updates when First Commercial Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$565.9M +7.7% YoY -0.1% QoQ	+$179.4M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$298.6M -4.1% YoY -3.7% QoQ	+$40.3M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$502.1M +7.7% YoY -0.4% QoQ	+$175.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.37% +11.3% YoY +2.9% QoQ	+0.05%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	4.02% +3.9% YoY +1.8% QoQ	+0.04%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	69.70% -3.4% YoY -0.6% QoQ	+5.23%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	0.45% +20.0% YoY +6.7% QoQ	-0.46%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	59.48% -10.9% YoY -3.3% QoQ	-18.47%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	39.27% -2.7% YoY -3.5% QoQ	+17.24%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 5.4% in tier
Nonperforming Asset Ratio ?	0.24% +6.9% YoY +2.8% QoQ	-0.43%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	19.05% +10.0% YoY +5.0% QoQ	+3.14%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.37% -4.4% YoY +100.7% QoQ	-0.20%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	39.3% -1.1pp YoY -1.4pp QoQ	+17.1pp	22.1%	29.2%	22.2%	94%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	8.0% +2.4pp YoY +0.4pp QoQ	-3.5pp	11.6%	14.8%	12.5%	41%
CRE	55.6% +2.6pp YoY +0.4pp QoQ	+16.0pp	39.5%	48.4%	41.4%	79%
1-4 Family	29.5% -0.9pp YoY +0.5pp QoQ	-3.1pp	32.6%	25.8%	31.3%	50%
Consumer	1.5% 0.0pp YoY 0.0pp QoQ	-2.6pp	4.1%	4.7%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	19.1% +1.7pp YoY +0.9pp QoQ	+0.2pp	18.8%	22.7%	19.7%	74%
Leverage Ratio	10.3% +0.3pp YoY +0.1pp QoQ	-1.9pp	12.2%	12.6%	12.6%	36%
Total Capital Ratio	20.3% +1.7pp YoY +0.9pp QoQ	+0.4pp	19.9%	23.8%	20.8%	75%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	92 +1 (+1.1%) YoY +3 (+3.4%) QoQ	+33	58	186	482	83%
Assets per Employee ($)	$6.2M +6.5% YoY -3.3% QoQ	-$1.4M	$7.5M	$10.1M	$8.8M	36%
Branch Count	7 0 YoY 0 QoQ	+2	4	12	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	39%
Nonaccrual	0.4% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.9%	1.0%	1.0%	47%
Allowance Coverage	3.30x -15.2% YoY -2.7% QoQ	-20.86x	24.15x	18.82x	20.23x	61%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.6% +1.1pp YoY +0.3pp QoQ	+1.4pp	12.2%	13.2%	11.6%	60%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	26%
Net Income ($, YTD)	$3.9M +19.2% YoY — QoQ	+$1.3M	$2.6M	$15.9M	$40.4M	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#325 of 1256 • Bottom 25.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.45%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

144

Non-Interest-Bearing Deposit Share

funding

Value: 39.27%

Peer Median: 22.03%

#144 of 2643 Top 5.4% in $100M-$1B

418

Tier 1 Capital Ratio

capital

Value: 19.05%

Peer Median: 15.91%

#418 of 2643 Top 15.8% in $100M-$1B

439

Loan-to-Deposit Ratio

liquidity

Value: 59.48%

Peer Median: 77.95%

#439 of 2643 Top 16.6% in $100M-$1B

479

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#479 of 2643 Top 18.1% in $100M-$1B

529

Total Deposits

size

Value: $502.05M

Peer Median: $326.73M

#529 of 2643 Top 20.0% in $100M-$1B

589

Total Assets

size

Value: $565.93M

Peer Median: $386.57M

#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available