First Command Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 0.46% and a Texas ratio of 0.72%, according to its call report filed with the FFIEC.
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
- Offices
- 1 domestic
- 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)
- Ultimate Parent
- FIRST COMMAND FINANCIAL PLANNING, INC. EMPLOYEE STOCK OWNERSHIP PLAN TRUST (RSSD 3823321)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Command Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Command 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Command Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Command Bank (main office) | Fort Worth , TX | 76109 | $966.1M |
Regulatory record
What the public regulatory sources show for First Command Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Command Bank headquartered?
First Command Bank is headquartered in Fort Worth, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Command Bank founded?
First Command Bank was established in 1997, per the FDIC institution directory.
Is First Command Bank FDIC-insured?
Yes. First Command Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Command Bank's CET1 capital ratio?
First Command Bank 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?
First Command Bank 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?
First Command Bank's Texas Ratio is 0.72% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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