First Command Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings climbed 7.9% in Q2 2026, from $87.4M to $94.3M. It was the largest change from Q1 2026 among the key lines here. First Command Bank ranks 77th of 184 Texas banks on CET1 ratio, in the upper half at 18.08% (Q2 2026). First Command Bank reported 18.08% on CET1 ratio for Q2 2026, 4.59 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.08% |
| Tier 1 risk-based capital ratio | 18.08% |
| Total risk-based capital ratio | 19.08% |
| Tier 1 leverage ratio | 10.20% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $106.2M |
| Tier 1 capital | $106.2M |
| Total risk-based capital | $112.1M |
| Total equity capital | $105.3M |
| Risk-weighted assets | $587.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
| Equity capital to average assets | 10.11% |
| Internal capital growth rate | 27.82% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $11.9M |
| Retained earnings | $94.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$924K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.14% | 18.14% | 18.74% | 9.71% | $554.7M |
| Q4 2023 | 15.75% | 15.75% | 16.43% | 8.48% | $552.5M |
| Q1 2024 | 16.56% | 16.56% | 17.27% | 9.12% | $560.7M |
| Q2 2024 | 17.44% | 17.44% | 18.15% | 9.67% | $564.7M |
| Q3 2024 | 18.32% | 18.32% | 19.12% | 10.34% | $569.9M |
| Q4 2024 | 16.00% | 16.00% | 16.78% | 8.92% | $570.5M |
| Q1 2025 | 16.60% | 16.60% | 17.33% | 9.46% | $584.0M |
| Q2 2025 | 17.50% | 17.50% | 18.40% | 10.06% | $584.5M |
| Q3 2025 | 18.48% | 18.48% | 19.35% | 10.73% | $588.7M |
| Q4 2025 | 15.91% | 15.91% | 16.92% | 9.13% | $589.5M |
| Q1 2026 | 16.74% | 16.74% | 17.75% | 9.56% | $593.8M |
| Q2 2026 | 18.08% | 18.08% | 19.08% | 10.20% | $587.5M |
First Command Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Command Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Command Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34415) · FFIEC NIC profile (RSSD 2568063)