BlastPoint's Banking Scorecard
First Commercial Bank, National Association
Seguin, TX
7 branches across TX
First Commercial Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.66% above tier average
- + ROA 0.06% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 4.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$566.4M
+7.3% YoY
+1.3% QoQ
|
+$180.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$310.1M
+0.6% YoY
+1.2% QoQ
|
+$54.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$504.3M
+7.1% YoY
+1.5% QoQ
|
+$176.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.33%
+9.2% YoY
+1.3% QoQ
|
+0.06% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.95%
+7.2% YoY
-0.6% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
70.13%
-2.1% YoY
-0.4% QoQ
|
+4.84% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.43%
-22.4% YoY
+36.9% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
61.48%
-6.1% YoY
-0.3% QoQ
|
-15.15% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
40.68%
-0.9% YoY
-0.8% QoQ
|
+18.66% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 4.2% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-27.2% YoY
+36.6% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
18.14%
+6.9% YoY
+0.8% QoQ
|
+2.31% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.18%
-9.6% YoY
-73.5% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.