First Commercial Bank

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.

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

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

• Community banking services
• Personal banking accounts
• Commercial lending products
• Mortgage and home loans
• Merchant card services

Headquarters

HQ city

Seguin

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. Merchant Card Services: Transaction fees earned from processing electronic payments (Visa, MasterCard, American Express, Discover) for business customers through BancCard partnership.
5. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core 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)

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• LPL FinancialcoreStrategic or Co-development PartnerLPL 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.
• BancCardcoreTechnology or IntegrationBancCard 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 CorporationcoreTechnology or IntegrationCheckFree 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 GroupcoreStrategic or Co-development Partner1st 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

Regional 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

• Facebookfacebook.com/FirstCommercialBank
• LinkedInlinkedin.com/company/first-commercial-bank-national-association-seguin-tx-

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Commercial Bank