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First Command Bank

Fort Worth, TX · Cert 34415 · 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
Loan mix
19%RE $93.9M23%C&I $115.5M58%Consumer $287.2MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $946.2M2%Noninterest $19.9MQ2 2025Q2 2026

NIM

3.69%Q2 ’243.91%Q2 ’253.93%Q2 ’26+8%0%

Non-interest income vs. expense

4.16%Q2 ’244.69%Q2 ’254.77%Q2 ’26+21%+26%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #49 of 166 inst. · $1.0B of $732.8B

Executive Summary

  • Earnings: ROA of 1.91%, up 28 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.42% of loans (+34 bps YoY), with net charge-offs at 0.55%.
  • Capital: tier 1 leverage ratio of 10.20%, up 14 bps from a year ago.
  • Funding: loans stand at 51.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.91%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-1 bps YoY

Efficiency Ratio (YTD, annualized)

68.82%+339 bps YoY

Tier 1 Leverage Ratio

10.20%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.71%1.64%1.65%1.91%+28 bps
Return on Equity17.96%18.26%17.76%18.50%20.79%+284 bps
Net Interest Margin3.66%3.70%3.66%3.59%3.66%-1 bps
Efficiency Ratio65.43%64.83%65.32%67.61%68.82%+339 bps
Non-Interest Burden1.19%1.12%1.13%1.17%1.50%+31 bps
Growth
Asset Growth (YoY)0.95%-14.73%1.04%0.83%2.71%+176 bps
Loan Growth (YoY)8.45%6.54%6.42%1.98%0.51%-793 bps
Deposit Growth (YoY)0.70%1.37%0.73%0.62%2.72%+202 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.11%0.40%0.36%0.42%+34 bps
Net Charge-Offs / Loans0.30%0.40%0.47%0.72%0.55%+24 bps
Allowance / Loans1.05%1.03%1.16%1.17%1.18%+13 bps
Allowance Coverage of NPLs12.9x9.5x2.9x3.3x2.8x-10.1x
Capital
Tier 1 Leverage Ratio10.06%10.73%9.13%9.56%10.20%+14 bps
Total Risk-Based Capital18.40%19.35%16.92%17.75%19.08%+68 bps
Equity / Assets9.70%10.30%8.71%9.09%9.74%+3 bps
Liquidity & Funding
Loans / Deposits52.28%53.01%51.52%50.85%51.15%-112 bps
Liquid Assets / Assets51.37%51.05%51.64%49.22%48.72%-265 bps
CRE / Total Capitaln/a82.41%97.03%94.53%n/an/a