First Commercial Bank
Jackson, Mississippi · FDIC Cert #57069
First Commercial Bank is an FDIC-insured bank (Certificate #57069) with $872M in total assets and $729M in total deposits as of the Q2 2024 Call Report. Headquartered in Jackson, Mississippi, the bank maintains a Tier 1 capital ratio of 12.08% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Commercial Bank (FDIC cert 57069) is a community bank — $872M in total assets, $729M in deposits, serving the Jackson, Mississippi area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.08% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 6.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.76% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First Commercial Bank carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Commercial Bank
- Total Assets
- $872M
- Total Deposits
- $729M
- Tier 1 Capital Ratio
- 12.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 6.33%
- Return on Assets
- 0.76%
- Headquarters
- Jackson, Mississippi
- FDIC Certificate
- #57069
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Commercial Bank holds a Tier 1 capital ratio of 12.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Commercial Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Commercial Bank shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Commercial Bank Compares
First Commercial Bank’s Health Score of 64 is 2 points below the Mississippi state average of 66 across 45 FDIC-insured banks. Its 12.08% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.76% is below the national ROA benchmark of ~1.1%. Among 1124 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, First Commercial Bank is 6 points below the portfolio average of 70.
Frequently Asked Questions
First Commercial Bank has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Commercial Bank's Tier 1 capital ratio of 12.08% and nonperforming loan ratio of 0.00% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Commercial Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57069). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Commercial Bank holds $872M in total assets and $729M in total deposits. It is headquartered in Jackson, Mississippi (FDIC Certificate #57069).
First Commercial Bank has a Tier 1 capital ratio of 12.08%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.76%.
Yes. First Commercial Bank is FDIC-insured (Certificate #57069). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Commercial Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.