PackageTrendsPeer
Letter portraitLegal landscape

First Command Bank

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

$1.1BAssets
$494.2MLoans
$966.1MDeposits
$105.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 85% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 20).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 19 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

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

Non-interest income vs. expense

$34.1M$49.6MINCOMEEXPENSE
Unfavorable gap of $15.6M · efficiency ratio beats 35% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 68.82%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.91%0.68%1.15%1.86%Beats 80%4 / 20
Return on Equity19.60%7.45%10.95%14.25%Beats 85%3 / 20
Net Interest Margin3.66%2.87%3.58%4.28%Beats 60%8 / 20
Efficiency Ratio68.82%52.33%65.48%74.79%Beats 35%14 / 20
Asset Quality
Nonperforming Loans / Loans0.42%0.18%0.42%1.54%Beats 50%11 / 20
Net Charge-Offs / Loans0.29%0.00%0.02%0.14%Beats 10%19 / 20
Capital
Tier 1 Capital Ratio18.08%13.35%15.71%17.39%Beats 80%4 / 20
Total Risk-Based Capital Ratio19.08%14.55%16.02%18.64%Beats 80%4 / 20
Equity / Assets9.74%9.74%11.64%13.21%Beats 25%15 / 20
Liquidity & Funding
Loans / Deposits51.15%72.63%81.14%96.60%10th pctl18 / 20
Loans / Assets45.69%60.26%69.54%79.68%10th pctl18 / 20
Brokered Deposits / Depositsn/aNot reported for this institution