Fort Worth, TX · Cert 34415 · First Command Finl Planning Employee STK Ownership Plan Tr
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
30
Profitability
75
Liquidity
0
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fort Worth, TX · Cert 34415 · First Command Finl Planning Employee STK Ownership Plan Tr
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #49 of 166 inst. · $1.0B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.73% | 1.67% | 1.63% | 1.71% | 1.64% | 1.65% | 1.91% | +28 bps | |
| Return on Equity | 18.81% | 20.00% | 19.10% | 17.96% | 18.26% | 17.76% | 18.50% | 20.79% | +284 bps | |
| Net Interest Margin | 3.46% | 3.45% | 3.59% | 3.66% | 3.70% | 3.66% | 3.59% | 3.66% | -1 bps | |
| Efficiency Ratio | 62.96% | 62.36% | 67.46% | 65.43% | 64.83% | 65.32% | 67.61% | 68.82% | +339 bps | |
| Non-Interest Burden | 0.95% | 0.91% | 1.28% | 1.19% | 1.12% | 1.13% | 1.17% | 1.50% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 1.17% | 0.83% | 0.95% | -14.73% | 1.04% | 0.83% | 2.71% | +176 bps | |
| Loan Growth (YoY) | 8.39% | 9.02% | 9.26% | 8.45% | 6.54% | 6.42% | 1.98% | 0.51% | -793 bps | |
| Deposit Growth (YoY) | -2.92% | 0.59% | 0.31% | 0.70% | 1.37% | 0.73% | 0.62% | 2.72% | +202 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.04% | 0.07% | 0.08% | 0.11% | 0.40% | 0.36% | 0.42% | +34 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.31% | 0.34% | 0.30% | 0.40% | 0.47% | 0.72% | 0.55% | +24 bps | |
| Allowance / Loans | 0.98% | 0.94% | 0.87% | 1.05% | 1.03% | 1.16% | 1.17% | 1.18% | +13 bps | |
| Allowance Coverage of NPLs | 16.7x | 22.8x | 12.9x | 12.9x | 9.5x | 2.9x | 3.3x | 2.8x | -10.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 8.92% | 9.46% | 10.06% | 10.73% | 9.13% | 9.56% | 10.20% | +14 bps | |
| Total Risk-Based Capital | 19.12% | 16.78% | 17.33% | 18.40% | 19.35% | 16.92% | 17.75% | 19.08% | +68 bps | |
| Equity / Assets | 8.42% | 8.55% | 8.98% | 9.70% | 10.30% | 8.71% | 9.09% | 9.74% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.44% | 48.77% | 50.18% | 52.28% | 53.01% | 51.52% | 50.85% | 51.15% | -112 bps | |
| Liquid Assets / Assets | 59.79% | 53.90% | 52.81% | 51.37% | 51.05% | 51.64% | 49.22% | 48.72% | -265 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.41% | 97.03% | 94.53% | n/a | n/a | |
Fort Worth, TX · Cert 34415 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · First Command Finl Planning Employee STK Ownership Plan Tr
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
1.91%
Rank 4 of 20
Net Interest Margin
3.66%
Rank 8 of 20
Efficiency Ratio
68.82%
Rank 14 of 20
Equity / Assets
9.74%
Rank 15 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.91% | 0.68% | 1.15% | 1.86% | Beats 80% | 4 / 20 | ||
| Return on Equity | 19.60% | 7.45% | 10.95% | 14.25% | Beats 85% | 3 / 20 | ||
| Net Interest Margin | 3.66% | 2.87% | 3.58% | 4.28% | Beats 60% | 8 / 20 | ||
| Efficiency Ratio | 68.82% | 52.33% | 65.48% | 74.79% | Beats 35% | 14 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.18% | 0.42% | 1.54% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | 0.29% | 0.00% | 0.02% | 0.14% | Beats 10% | 19 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.08% | 13.35% | 15.71% | 17.39% | Beats 80% | 4 / 20 | ||
| Total Risk-Based Capital Ratio | 19.08% | 14.55% | 16.02% | 18.64% | Beats 80% | 4 / 20 | ||
| Equity / Assets | 9.74% | 9.74% | 11.64% | 13.21% | Beats 25% | 15 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.15% | 72.63% | 81.14% | 96.60% | 10th pctl | 18 / 20 | ||
| Loans / Assets | 45.69% | 60.26% | 69.54% | 79.68% | 10th pctl | 18 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||