First Command Bank
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Data as of · sourced from FFIEC call reports. How we update
First Command Bank is an FDIC-insured savings institution headquartered in Fort Worth, TX, established in 1997 (FDIC certificate 34415), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.08B, up 2.7% from Q2 2025, the 84th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 18.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34415
- Headquarters
- Fort Worth, TX
- Established
- 1997
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 18.08%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111993695
- Holding company
- FIRST COMMAND FINANCIAL SERVICES, INC.
- Asset rank in state
- 84th of 346 in Texas
First Command Bank is one of the more profitable banks of its size. Based in Fort Worth, Texas, it had $1.1 billion in assets at June 30, 2026, up 2.7% from a year earlier. It earns about $2.64 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 0.32% on its deposits and borrowings, a small fraction of the median of 2.01% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $37 million equal 35% of Tier 1 capital, down from 41% a year earlier. Net income for the quarter rose 29% from a year earlier, to $6.9 million. Costs are the weak spot: it spends about 70 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, First Command Bank reported a CET1 capital ratio of 18.08%, a return on assets of 2.64%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
First Command Bank ranks as the 84th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $1.08B, loans fell 0.5% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by other consumer loans, at 44.9% of total loans, followed by commercial and industrial loans at 23.1%. The FDIC Summary of Deposits lists a single office for it, in Fort Worth, TX. On its Q2 2026 call report, First Command Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Firstcomm Plz, Fort Worth, TX 76109
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 18, 1997
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $966.1M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $1.04B
- Average total loans
- $495.2M
- Average interest-bearing deposits
- $901.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 18, 1997
- FDIC Cert
- 34415
- Fed RSSD
- 2568063
- SEC CIK
- 101510 → filed by FIRST COMMAND FINANCIAL PLANNING, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST
- Website
- www.firstcommand.com →
- Parent Holding Company
- FIRST COMMAND FINANCIAL SERVICES, INC. (RSSD 3821916)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Command Bank's total assets moved between a low of $1.04B (Q2 2024) and a high of $1.24B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $1.05B; $976.4M total liabilities against $950.9M.
$488.4M net loans and leases against $486.5M; $966.1M total deposits against $940.5M.
$396.2M securities against $413.7M; $178.3M cash and balances due against $132.7M.
$10.4M total interest income against $10.1M; $731K total interest expense against $630K.
$9.7M net interest income against $9.4M.
$6.9M total noninterest income against $8.8M; $11.7M total noninterest expense against $11.6M.
$309K provision for credit losses against $1.3M.
$6.9M net income against $5.3M.
2.64% return on assets against 2.10%; 3.77% net interest margin against 3.75%.
18.08% CET1 capital ratio against 17.50%; 10.20% tier 1 leverage ratio against 10.06%.
Inside the full First Command Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Command Bank rankings
Its closest position to the top of a national ranking is 125 of 3,611, for ROA; its furthest is 962 of 980, for uninsured deposits.
Metric pages for First Command Bank: ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.87% (Q4 2025) to 2.68% (Q4 2024) and its net interest margin ran from 3.61% (Q3 2024) to 3.78% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.08% | 2.64% | 0.42% | 0.72% | 3.77% |
| Q1 2026 | 16.74% | 2.16% | 0.36% | 0.61% | 3.65% |
| Q4 2025 | 15.91% | 1.87% | 0.40% | 0.84% | 3.74% |
| Q3 2025 | 18.48% | 2.50% | 0.11% | 0.47% | 3.78% |
| Q2 2025 | 17.50% | 2.10% | 0.08% | 0.37% | 3.75% |
| Q1 2025 | 16.60% | 2.22% | 0.07% | 0.32% | 3.64% |
| Q4 2024 | 16.00% | 2.68% | 0.04% | 0.20% | 3.61% |
| Q3 2024 | 18.32% | 2.23% | 0.06% | 0.25% | 3.61% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Command Bank (main office) | Fort Worth , TX | 76109 | $966.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action February 10, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 113 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 14 loans, $4.5M approved, $321K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Command Bank
What are First Command Bank's total assets?
As of the Q2 2026 filing, First Command Bank reported total assets of $1.08 billion in its FFIEC call report.
Where is First Command Bank headquartered?
It is headquartered in Fort Worth, TX, United States.
When was First Command Bank founded?
It was established in 1997, per the FDIC institution directory.
Is First Command Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #34415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Command Bank?
First Command Bank's primary federal regulator is the OCC.
What is First Command Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Command Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Command Bank's Texas Ratio?
Its Texas Ratio is 0.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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