First Command Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 8.8% higher than in Q1 2026, at $178.3M. Within Texas, First Command Bank is 273rd of 346 on loan-to-deposit ratio, 51.15% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Command Bank sits 37.05 points lower, at 51.15% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $178.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $574.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.15% |
| Net loans and leases to deposits | 50.55% |
| Loans and leases to core deposits | 51.33% |
| Core deposits to total deposits | 99.66% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 45.18% | 99.89% | $0 | $80.0M |
| Q4 2023 | 45.00% | 99.86% | $0 | $0 |
| Q1 2024 | 46.07% | 99.83% | $0 | $0 |
| Q2 2024 | 48.54% | 99.83% | $0 | $2.0M |
| Q3 2024 | 50.44% | 99.82% | $0 | $200.0M |
| Q4 2024 | 48.77% | 99.83% | $0 | $0 |
| Q1 2025 | 50.18% | 99.83% | $0 | $0 |
| Q2 2025 | 52.28% | 99.82% | $0 | $0 |
| Q3 2025 | 53.01% | 99.67% | $0 | $0 |
| Q4 2025 | 51.52% | 99.68% | $0 | $0 |
| Q1 2026 | 50.85% | 99.66% | $0 | $0 |
| Q2 2026 | 51.15% | 99.66% | $0 | $0 |
First Command Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Command Bank, freeSource: Call Report Schedules RC and RC-M, 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)