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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.55% | 1.88% | 1.67% | 1.58% | 1.89% | 1.42% | 1.65% | 2.17% | +59 bps | |
| Return on Equity | 17.52% | 22.18% | 19.10% | 16.89% | 18.88% | 14.95% | 18.50% | 23.02% | +613 bps | |
| Net Interest Margin | 3.52% | 3.58% | 3.59% | 3.71% | 3.74% | 3.71% | 3.59% | 3.73% | +2 bps | |
| Efficiency Ratio | 62.48% | 60.64% | 67.46% | 63.40% | 63.69% | 66.74% | 67.61% | 70.24% | +683 bps | |
| Non-Interest Burden | 0.89% | 0.80% | 1.28% | 1.08% | 0.98% | 1.19% | 1.17% | 1.83% | +75 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 | 0.41% | 0.34% | 0.34% | 0.27% | 0.61% | 0.69% | 0.72% | 0.36% | +9 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 | |