First Commercial Bank
First Commercial Bank is a privately held Texas community bank founded in 1983, operating seven full-service branches across five counties with $530 million in total assets. It serves individuals and small businesses in Seguin, New Braunfels, San Antonio, and surrounding areas with deposits, lending, mortgages, merchant services, insurance, and investment products.
- Company typePrivate
- Founded1983
- HeadquartersSeguin, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What First Commercial Bank does
First Commercial Bank, N.A. is a privately held Texas state-chartered community bank headquartered in Seguin, Texas, founded in 1983. The bank operates seven full-service branches across five Texas counties — Guadalupe, Comal, Atascosa, Frio, and Bexar — and reported $530 million in total assets as of January 2026. Its deposit franchise spans personal and small-business checking (Basic, Select, Silver Advantage, Interest Checking on the consumer side; Small Business, Standard Business, Business Analysis on the SMB side), savings, money market, and CDs/IRAs; lending includes personal loans (auto, home improvement, home equity, recreational vehicles), business loans (vehicles, equipment, real estate, investment property), and residential mortgages originated through Ellie Mae/ICE Mortgage Technology.
Revenue is generated primarily through net interest income on loans and deposits, supplemented by monthly service charges ($8 Select Checking, $10–$15 on business accounts), per-transaction fees, merchant card services via a BancCard partnership, referral/revenue-share arrangements with LPL Financial for investment products, and premium volume from wholly-owned subsidiary 1st Insurance Group. Digital channels include an iOS/Android mobile app with Touch ID and remote check deposit, online banking with Quicken/QuickBooks export, 24-hour TeleBank, and SMS banking; physical distribution is supported by surcharge-free access to 2,800+ SUM Program ATMs.
The customer base is split across individual consumers, SMBs, and homeowners in rural and semi-rural Texas Hill Country and South Texas markets, with no disclosed enterprise concentration. In January 2026 the bank completed a generational leadership transition: James Long became President & CEO (having joined from Prosperity Bank in March 2025), Mark Long moved to Executive/Working Chairman after 23+ years as CEO, and founder Mark Williams became Chairman Emeritus.
First Commercial Bank firmographics
Firmographics- Name
- First Commercial Bank
- Legal name
- First Commercial Bank, N.A.
- Website
- https://1cb.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- First Commercial Bank is a privately held Texas community bank founded in 1983, operating seven full-service branches across five counties with $530 million in total assets. It serves individuals and small businesses in Seguin, New Braunfels, San Antonio, and surrounding areas with deposits, lending, mortgages, merchant services, insurance, and investment products.
- Ownership category
- akta.pro rank
First Commercial Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- General SME & Middle-Market Commercial Banking (FSABABAA)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where First Commercial Bank is headquartered
LocationHeadquarters
- HQ city
- Seguin
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
First Commercial Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income from Lending: Primary revenue stream from interest earned on loans including personal loans (auto, home improvement, home equity, recreational vehicles), business loans (vehicles, equipment, real estate, investment property), and home mortgages. Interest rates vary by product type and term length.
- Interest Income from Deposits: Interest earned on deposits held including savings accounts, money market accounts, and certificates of deposit. The bank pays interest to depositors while using funds for lending operations.
- Service Fees and Charges: Monthly service charges on checking accounts (Basic Checking no charge, Select Checking $8.00/month, Silver Advantage free for 55+), balance requirement fees, excess debit fees, and wire transfer fees. Business accounts have transaction-based fees.
- Merchant Card Services: Transaction fees earned from processing electronic payments (Visa, MasterCard, American Express, Discover) for business customers through BancCard partnership.
- Investment and Insurance Services: Revenue sharing and referral arrangements with LPL Financial for investment products and 1st Insurance Group for insurance products offered through bank branches.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Checking - Free non-interest bearing account |
| Subscription | Monthly | Select Checking - Enhanced services account |
| Subscription | Monthly | Silver Advantage Checking - Senior account (55+) |
| Subscription | Monthly | Interest Checking - Interest-bearing account |
| Subscription | Monthly | Personal Savings Account |
| One time/ perpetual license | Pay-as-you-go | Certificate of Deposit - Various Terms |
| Subscription | Monthly | Money Market Accounts |
| Transaction based/ take rate | Monthly | Small Business Checking |
| Transaction based/ take rate | Monthly | Standard Business Checking |
| Transaction based/ take rate | Monthly | Business Analysis Checking |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels5 records
First Commercial Bank product offering
Product offeringCore offering
First Commercial Bank, N.A. is a community bank providing deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (auto, home equity, mortgages, business loans), digital banking (online, mobile, telephone, SMS), merchant card processing, insurance through its 1st Insurance Group subsidiary, and investment services through LPL Financial. The bank operates seven full-service branches across five Texas counties with $530 million in total assets.
Product overview
First Commercial Bank, N.A. is a community bank offering a comprehensive suite of banking products organized into core banking services and digital banking platforms. Core banking includes personal checking accounts (Basic, Select, Silver Advantage, Interest Checking), personal savings (Savings, Student Savings, Money Market, CDs/IRAs), and business checking/savings accounts (Small Business, Standard Business, Business Analysis). The bank provides lending products through Home Loans and Personal & Business Loans divisions. Digital banking is delivered via Online Banking and Mobile Banking platforms enabling fund transfers, bill pay (through CheckFree), eStatements, and Quicken/QuickBooks integration. Additional services include Merchant Card Services (via BancCard), Investment Services through LPL Financial partnership, and insurance products through 1st Insurance Group subsidiary. The bank operates 7 branches across Texas serving personal and business customers.
Differentiator
Problem solved
Functional benefit
Brands
- 1st Insurance Group: A wholly owned subsidiary of First Commercial Bank providing personal and business insurance products. Offers home, auto, motorcycle, renters, ATV, golf cart, farm & ranch, boat & water craft, RV & travel trailer insurance for personal coverage, and property, business auto, trucking, worker's compensation, general liability, special events, errors & omissions, apartments, professional, bonds, cyber, and umbrella insurance for business coverage.
Products and services
- Basic Checking
- Select Checking
- Silver Advantage Checking
- Interest Checking
- Personal Savings
- Student Savings
- Personal Money Market
- Certificates of Deposit and IRAs
- Small Business Checking
- Standard Business Checking
- Business Analysis Checking
- Personal and Business Loans
- Home Loans
- Online Banking
- Mobile Banking
- Online Bill Pay
- Merchant Card Services
- Investment Services
- Insurance Services (1st Insurance Group)
Companies that use First Commercial Bank
Customer profileSegments4 records
Ideal customer profiles2 records
First Commercial Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
First Commercial Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- LPL FinancialcoreLPL Financial provides investment products and services to First Commercial Bank customers through licensed financial advisors located at bank branches. Services include financial planning, retirement planning, investment portfolio reviews, life insurance analysis, social security strategies, professional investment management, alternative investments, business retirement planning (401ks), trust accounts, IRAs, and college planning. Advisors operate at New Braunfels, Seguin, San Antonio Basse Rd, San Antonio Blanco Rd, Jourdanton, and Pearsall locations.
- BancCardcoreBancCard provides merchant card services program enabling commercial customers to accept Visa, MasterCard, American Express, Diner, and Discover cards. Services include electronic payment processing, counter-top solutions, web-based terminal solutions, phone payment acceptance (ARU), electronic check processing, gift/loyalty programs, and PCI security compliance.
- CheckFree Services CorporationcoreCheckFree provides electronic bill payment and presentment services enabling First Commercial Bank customers to pay bills online through the bank's online banking platform. Payment scheduling, recurring payments, and electronic delivery to billers are handled through CheckFree infrastructure.
- 1st Insurance Groupcore1st Insurance Group is a wholly owned subsidiary of First Commercial Bank established to provide insurance products to bank customers. Offers personal insurance (homeowner, auto, motorcycle, renters, ATV, golf cart, farm & ranch, boat, RV/travel trailer) and business insurance (property, business auto, trucking, worker's comp, general liability, special events, E&O, apartments, professional, bonds, cyber, umbrella). Located at Jourdanton branch.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
First Commercial Bank competitors and assessment
Company assessmentRegional players
- Southside Bank: Texas-based community bank offering retail, commercial, and mortgage banking, comparable in product mix and branch-led community banking approach.
- Vantage Bank Texas: Texas community/commercial bank serving SMEs and consumers across South Texas including San Antonio, comparable in market focus and relationship-banking model.
- Broadway Bank: San Antonio-based privately held community/regional bank serving individuals and businesses across Central and South Texas, directly overlapping First Commercial Bank's core markets and full-service model.
- Kerrville-based Security State Bank & Trust: Independent Texas Hill Country community bank serving similar rural and small-metro markets with comparable deposit and lending products to FCB.
- Texas Regional Bank: Community-focused Texas bank pursuing organic and acquisition-driven growth across South and Central Texas, mirroring FCB's community banking and M&A expansion strategy.
- Guaranty Bank & Trust (Guaranty Bancshares): Texas community bank with a branch network serving consumers and small businesses, similar in scale ambition and community-focused deposit/lending model.
- Jefferson Bank: Privately held San Antonio community bank offering personal, business, and wealth services in the same South-Central Texas footprint, a close competitor for SME and retail deposit relationships.
- First United Bank: Family/community-oriented bank offering banking, mortgage, insurance, and investment services—mirroring FCB's diversified banking-plus-insurance-plus-wealth model.
Broad incumbents
- Prosperity Bank: Large Texas-based commercial bank (and the prior employer of FCB's new CEO) offering the same deposit, lending, and community banking products at far greater scale across Texas.
- Frost Bank: San Antonio-headquartered regional bank providing full-service commercial and consumer banking across Texas, a larger incumbent competing directly in FCB's home markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
First Commercial Bank social profiles
Digital presenceFirst Commercial Bank compliance and trust
Trust signalCompliance2 records
First Commercial Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Commercial Bank leadership team
Management profileNumber of profiles
Profiles16 records
First Commercial Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
First Commercial Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Commercial Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Commercial Bank
What does First Commercial Bank do?
First Commercial Bank, N.A. is a community bank providing deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (auto, home equity, mortgages, business loans), digital banking (online, mobile, telephone, SMS), merchant card processing, insurance through its 1st Insurance Group subsidiary, and investment services through LPL Financial. The bank operates seven full-service branches across five Texas counties with $530 million in total assets.
Is First Commercial Bank a public or private company?
First Commercial Bank is a private company. It is classified as unknown and is currently operating.
When was First Commercial Bank founded?
First Commercial Bank was founded in 1983. It employs 1 to 10 people.
Where is First Commercial Bank based?
First Commercial Bank is headquartered in Seguin, United States, in the North America region.
How does First Commercial Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are interest Income from Deposits, service Fees and Charges, merchant Card Services and investment and Insurance Services.
Who are First Commercial Bank's main competitors?
Regional players on record are Southside Bank, Vantage Bank Texas, Broadway Bank, Kerrville-based Security State Bank & Trust, Texas Regional Bank, Guaranty Bank & Trust (Guaranty Bancshares), Jefferson Bank and First United Bank. Broad incumbents are Prosperity Bank and Frost Bank.
Does First Commercial Bank have an API?
No public API is recorded for First Commercial Bank.
What industry is First Commercial Bank in?
First Commercial Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6021.