First Commercial Bank NA (FDIC #24603): Bank Stress & Real-Estate Credit Exposure
First Commercial Bank NA (FDIC Cert #24603): bank stress 63/100, elevated, STABLE over 7 days; parent FIRST COML FINL CORP.
First Commercial Bank NA (#24603) lends in 5 counties across 1 state; First Commercial Bank NA (#24603) reaches 111 ZIP codes: Texas 5 counties, 111 ZIPs.
First Commercial Bank NA (#24603) largest markets: Bexar County, TX (156 branches, 78 ZIPs) (#24603), Atascosa County, TX (16 branches, 16 ZIPs) (#24603), Comal County, TX (28 branches, 14 ZIPs) (#24603), Guadalupe County, TX (14 branches, 14 ZIPs) (#24603), Frio County, TX (5 branches, 5 ZIPs) (#24603).
First Commercial Bank NA (#24603) reports $565.9 million in total assets; First Commercial Bank NA (#24603) equity $57.5 million (10.2% of First Commercial Bank NA (#24603) assets); First Commercial Bank NA (#24603) domestic deposits $502.1 million; First Commercial Bank NA (#24603) net income $3.9 million; First Commercial Bank NA (#24603) return on assets 1.37%; First Commercial Bank NA (#24603) return on equity 13.63%; First Commercial Bank NA (#24603) net interest income $10.7 million; First Commercial Bank NA (#24603) call report June 30, 2026.
First Commercial Bank NA (#24603) noncurrent real-estate loans: none reported; First Commercial Bank NA (#24603) net charge-offs on real estate 0.49%; First Commercial Bank NA (#24603) residential charge-offs 0.80%.
First Commercial Bank NA (#24603) net interest margin 4.02% against an eight-quarter First Commercial Bank NA (#24603) average of 3.93% (First Commercial Bank NA (#24603) compression -0.10 points); First Commercial Bank NA (#24603) non-residential real estate 80.2% of equity; First Commercial Bank NA (#24603) rate-exposure score 40/100, First Commercial Bank NA (#24603) fixed-rate trap 40/100; First Commercial Bank NA (#24603) risk type credit driven; First Commercial Bank NA (#24603) rate regime rates elevated, First Commercial Bank NA (#24603) snapshot October 19, 2026.
First Commercial Bank NA (#24603) stress score held at 62.6 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
First Commercial Bank NA (#24603) alerts: 5 counties; top First Commercial Bank NA (#24603) alert scores: Jourdanton County, TX 20 (low); New Braunfels County, TX 20 (low); Pearsall County, TX 20 (low); San Antonio County, TX 20 (low); Seguin County, TX 20 (low).