First Command Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.46 percentage points lower than in Q1 2026, at 254.96%. Among 345 Texas banks, First Command Bank sits 18th from the top on return on assets, 2.64% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, First Command Bank reported 2.64% on return on assets in Q2 2026, 1.36 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.08% |
| Tier 1 risk-based capital ratio | 18.08% |
| Total risk-based capital ratio | 19.08% |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.36% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 254.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.64% |
| Return on equity | 26.92% |
| Net interest margin | 3.77% |
| Efficiency ratio | 70.24% |
| Yield on earning assets | 4.05% |
| Cost of funds | 0.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.15% |
| Core deposits to total deposits | 99.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.32% |
| Securities to assets | 36.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.14% | 18.14% | 18.74% | 9.71% | 2.13% |
| Q4 2023 | 15.75% | 15.75% | 16.43% | 8.48% | 2.31% |
| Q1 2024 | 16.56% | 16.56% | 17.27% | 9.12% | 2.30% |
| Q2 2024 | 17.44% | 17.44% | 18.15% | 9.67% | 2.20% |
| Q3 2024 | 18.32% | 18.32% | 19.12% | 10.34% | 2.23% |
| Q4 2024 | 16.00% | 16.00% | 16.78% | 8.92% | 2.68% |
| Q1 2025 | 16.60% | 16.60% | 17.33% | 9.46% | 2.22% |
| Q2 2025 | 17.50% | 17.50% | 18.40% | 10.06% | 2.10% |
| Q3 2025 | 18.48% | 18.48% | 19.35% | 10.73% | 2.50% |
| Q4 2025 | 15.91% | 15.91% | 16.92% | 9.13% | 1.87% |
| Q1 2026 | 16.74% | 16.74% | 17.75% | 9.56% | 2.16% |
| Q2 2026 | 18.08% | 18.08% | 19.08% | 10.20% | 2.64% |
First Command Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Command Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)