🏦Bank Scorer

FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION

SEGUIN, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1983FDIC #24,603
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.33%

Institution Profile

FDIC BankFind

Address

1336 E Court St, SEGUIN, TX

County

Guadalupe County

Established

July 1, 1983

Total Assets

$566M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 30, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$566M

Total Deposits

$504M

Net Loans

$310M

Net Income

$2M

ROA

1.33%

ROE

13.32%

Risk-Based Capital

19.39%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$466M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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