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 First Commercial Bank, N.A. Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
First Commercial Bank, N.A.'s 4-Month Certificate of Deposit Jumbo Special rates are at 3.69%, 4-Month Certificate of Deposit Jumbo rates are at 3.44%, 4-Month Certificate of Deposit Jumbo rates are at 3.18%, 3-Month Certificate of Deposit rates are at 2.78%, 6-Month Certificate of Deposit rates are at 2.52%. First Commercial Bank, N.A.'s savings rates are at 0.35%. First Commercial Bank, N.A.'s money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of First Commercial Bank, N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.86%. Rates were last updated on 04/17/2026. First Commercial Bank, N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Commercial Bank, N.A.? Share your experience about First Commercial Bank, N.A. by leaving a review below, or read customer reviews before you decide to use First Commercial Bank, N.A.. 
First Commercial Bank, N.A. CD Rates
First Commercial Bank, N.A. Savings Rates
First Commercial Bank, N.A. Money Market Rates
First Commercial Bank, N.A. Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Commercial Bank, N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Commercial Bank, N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Commercial Bank, N.A.'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Commercial Bank, N.A.
Bank Holding Company
FIRST COML FINL CORP
Address
1336 E Court St,
Seguin, TX 78155 · Guadalupe
Website
https://www.1cb.com
FDIC Certificate #
24603
Established
07/01/1983
FDIC Insurance Date
07/01/1983
Domestic Offices
7
Total Branches
7
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.86%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.8264%
Return on Equity (ROE)
23.0300%
Non-Performing Loans (NPL)
0.22%
Total Assets
$558,878,000
Total Deposits
$496,837,000
Equity Capital
$55,876,000
Net Income
$7,029,000
Headquarters
Seguin
Total Offices
7
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Commercial Bank, N.A.Is First Commercial Bank, N.A. a safe place to deposit money?Yes, First Commercial Bank, N.A. is considered a safe financial institution. With a Texas Ratio of 2.8605117321071%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Commercial Bank, N.A. operate?First Commercial Bank, N.A. currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Commercial Bank, N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Commercial Bank, N.A. provides members with tools to manage their accounts and build a solid financial history. Does First Commercial Bank, N.A. offer online and mobile banking?Most modern institutions like First Commercial Bank, N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1cb.com. Current First Commercial Bank, N.A. Rates
Retrieved from our database of financial products. Rates subject to change.
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