BlastPoint's Banking Scorecard

First Command Bank

$1B-$10B Specialty: Other TX FDIC cert 34415

Designations: ✓ Community bank

Fort Worth, TX

884 banks in the $1B-$10B peer group nationally 80 in TX

First Command Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 10.4% in tier
+ Return on Assets 0.71% above tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.2% in tier
- Non-Interest-Bearing Deposit Share 19.31% below tier average
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 6.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +0.8% YoY +1.0% QoQ	-$1.7B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 8.9% in tier
Total Loans ?	$490.8M +1.7% YoY -0.8% QoQ	-$1.5B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 2.5% in tier
Total Deposits ?	$976.6M +0.6% YoY +0.5% QoQ	-$1.4B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 13.2% in tier
Return on Assets ?	2.07% -2.5% YoY -0.4% QoQ	+0.71%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 8.1% in tier
Net Interest Margin ?	3.53% +0.8% YoY -2.1% QoQ	-0.29%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	67.61% +0.2% YoY +3.5% QoQ	+6.55%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.36% +431.7% YoY -9.8% QoQ	-0.53%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	50.26% +1.0% YoY -1.3% QoQ	-33.95%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 4.2% in tier
Non-Interest-Bearing Deposit Share ?	1.98% +9.8% YoY -3.4% QoQ	-19.31%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 1.9% in tier
Nonperforming Asset Ratio ?	0.16% +436.1% YoY -11.4% QoQ	-0.51%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	16.74% +0.8% YoY +5.2% QoQ	+1.58%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.93% +11.9% YoY -73.2% QoQ	+0.68%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 2.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#24 of 221 • Top 10.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.93%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.07%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk

#65 of 420 • Bottom 15.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.93%

Peer Median: 0.26%

#27 of 884 Top 2.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 50.26%

Peer Median: 84.20%

#38 of 884 Top 4.2% in $1B-$10B

Return on Assets

profitability

Value: 2.07%

Peer Median: 1.37%

#73 of 884 Top 8.1% in $1B-$10B

135

Tier 1 Capital Ratio

capital

Value: 16.74%

Peer Median: 15.16%

#135 of 884 Top 15.2% in $1B-$10B

199

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#199 of 884 Top 22.4% in $1B-$10B

Top Weaknesses (4 metrics)

868

Non-Interest-Bearing Deposit Share

funding

Value: 1.98%

Peer Median: 21.29%

#868 of 884 Bottom 1.9% in $1B-$10B

863

Total Loans

size

Value: $490.83M

Peer Median: $1.96B

#863 of 884 Bottom 2.5% in $1B-$10B

806

Total Assets

size

Value: $1.09B

Peer Median: $2.82B

#806 of 884 Bottom 8.9% in $1B-$10B

768

Total Deposits

size

Value: $976.61M

Peer Median: $2.34B

#768 of 884 Bottom 13.2% in $1B-$10B