First Command Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Command Bank of Fort Worth, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.64% | 1.34% | +1.30% | 96th top |
| ROAE | 26.92% | 12.40% | +14.52% | 96th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.77% | 3.83% | -0.06% | 54th above |
| Efficiency Ratio | 70.24% | 57.84% | +12.40% | 19th bottom |
| PPNR / Avg Assets | 1.90% | — | — | 61st above |
| Yield on Earning Assets | 4.05% | 5.71% | -1.66% | 3rd bottom |
| Cost of Funds | 0.32% | 2.02% | -1.70% | 99th top |
| Net Interest Spread | 3.74% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.21% | — | — | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.36% | 0.43% | -0.07% | 12th bottom |
| ACL / Total Loans | 1.18% | — | — | 53rd above |
| ACL / NPLs (Coverage) | 254.96% | — | — | 64th above |
| Texas Ratio | 0.72% | 5.47% | -4.75% | 87th top |
| Provision / NCO | 101.63% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.08% | 14.99% | +3.09% | 87th top |
| Tier 1 Ratio | 18.08% | 15.02% | +3.06% | 86th top |
| Total Capital Ratio | 19.08% | — | — | 87th top |
| Leverage Ratio | 10.20% | 11.11% | -0.91% | 42nd below |
| Equity / Assets | 9.74% | 11.02% | -1.28% | 37th below |
| TCE / Tangible Assets | 9.74% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.15% | 86.99% | -35.84% | 96th top |
| Core Deposit Ratio | 99.66% | 85.57% | +14.09% | 98th top |
| Uninsured Deposit Ratio | 5.13% | 33.19% | -28.06% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | — | — | 31st below |
| Loan Growth (Y/Y) | 0.51% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 2.72% | — | — | 34th below |
See First Command Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Command Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Command Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Command Bank peer analysis.