Is First Commercial Bank NA Safe?
First Commercial Bank NA has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (75/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.10% | 100/100 |
| Nonperforming Loan Ratio | 0.02% | 100/100 |
| Liquidity Ratio | 28.05% | 92/100 |
| Return on Assets | 1.38% | 75/100 |
| Total Assets | $0.5B | |
How does First Commercial Bank NA compare?
With a Bank Health Score of 95/100, First Commercial Bank NA sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Commercial Bank NA ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.10% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.02% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Commercial Bank NA's Bank Health Score held roughly steady at 95/100. Tier 1 capital strengthened by 0.77 percentage points to 15.10%. Quarter-over-quarter, the score rose by 3.0 points.
First Commercial Bank NA has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (75/100).