BlastPoint's Banking Scorecard

First Command Bank

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

Designations: ✓ Community bank

Fort Worth, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +2.7% year over year ($966.1M on the books).
Delinquency rate 0.42%.
Return on assets 2.31%.
Efficiency ratio 68.82% vs a 59.73% peer average.
Loan-to-deposit ratio 50.55% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

First Command Bank has 3 strengths but faces 3 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 8.6% in tier
+ Profitability Leader: Top 27.5% in tier
+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 19.21% below tier average
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 9.09% above tier average

Get updates when First Command Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.1B +2.7% YoY -0.4% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 8.5% in tier
Total Loans ?	$488.4M +0.4% YoY -0.5% QoQ	-$1.5B	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 2.5% in tier
Total Deposits ?	$966.1M +2.7% YoY -1.1% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 12.8% in tier
Return on Assets ?	2.31% +11.3% YoY +11.3% QoQ	+0.92%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 5.4% in tier
Net Interest Margin ?	3.59% +0.7% YoY +1.8% QoQ	-0.28%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	68.82% +5.2% YoY +1.8% QoQ	+9.09%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.42% +414.3% YoY +16.8% QoQ	-0.44%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	50.55% -2.3% YoY +0.6% QoQ	-34.48%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 4.2% in tier
Non-Interest-Bearing Deposit Share ?	2.06% +21.6% YoY +4.0% QoQ	-19.21%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 2.0% in tier
Nonperforming Asset Ratio ?	0.19% +402.7% YoY +16.7% QoQ	-0.48%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	18.08% +3.3% YoY +8.1% QoQ	+3.24%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 11.4% in tier
Non-Interest Income / Assets ?	1.57% -6.9% YoY +68.8% QoQ	+1.05%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 3.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	2.1% +0.4pp YoY +0.1pp QoQ	-19.3pp	21.4%	29.2%	22.2%	2%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	23.3% -1.1pp YoY -0.2pp QoQ	+9.3pp	14.0%	14.8%	12.5%	86%
CRE	n/a	n/a	50.0%	48.4%	41.4%	n/a
1-4 Family	n/a	n/a	26.4%	25.8%	31.3%	n/a
Consumer	58.6% +0.1pp YoY +0.1pp QoQ	+53.9pp	4.7%	4.7%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	18.1% +0.6pp YoY +1.3pp QoQ	+2.5pp	15.6%	22.7%	19.7%	87%
Leverage Ratio	10.2% +0.1pp YoY +0.6pp QoQ	-1.1pp	11.3%	12.6%	12.6%	42%
Total Capital Ratio	19.1% +0.7pp YoY +1.3pp QoQ	+2.4pp	16.7%	23.8%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	97 -8 (-7.6%) YoY -4 (-4.0%) QoQ	-217	313	186	482	6%
Assets per Employee ($)	$11.2M +11.2% YoY +3.7% QoQ	+$670K	$10.5M	$10.1M	$8.8M	73%
Branch Count	1 0 YoY 0 QoQ	-19	20	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	71%
Nonaccrual	0.3% 0.0pp QoQ	-0.5pp	0.8%	1.0%	1.0%	35%
Allowance Coverage	2.82x -78.2% YoY -14.1% QoQ	-15.89x	18.71x	18.82x	20.23x	61%
Net Charge-off Rate (YTD)	0.5% +0.2pp YoY -0.2pp QoQ	+0.3pp	0.3%	0.1%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	25.1% +2.3pp YoY +1.8pp QoQ	+12.5pp	12.6%	13.2%	11.6%	96%
Cost of Funds (YTD)	0.3% 0.0pp YoY 0.0pp QoQ	-1.6pp	1.9%	1.6%	1.7%	1%
Net Income ($, YTD)	$12.5M +13.0% YoY — QoQ	-$6.8M	$19.2M	$15.9M	$40.4M	50%

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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 (2)

Revenue Diversifier

growth

#20 of 222 • Top 8.6% 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: 1.57%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.31%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#62 of 222 • Top 27.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.31%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.57%

Peer Median: 0.53%

#34 of 885 Top 3.7% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 50.55%

Peer Median: 85.04%

#38 of 885 Top 4.2% in $1B-$10B

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.39%

#49 of 885 Top 5.4% in $1B-$10B

102

Tier 1 Capital Ratio

capital

Value: 18.08%

Peer Median: 14.84%

#102 of 885 Top 11.4% in $1B-$10B

Top Weaknesses (5 metrics)

868

Non-Interest-Bearing Deposit Share

funding

Value: 2.06%

Peer Median: 21.27%

#868 of 885 Bottom 2.0% in $1B-$10B

864

Total Loans

size

Value: $488.40M

Peer Median: $1.96B

#864 of 885 Bottom 2.5% in $1B-$10B

811

Total Assets

size

Value: $1.08B

Peer Median: $2.79B

#811 of 885 Bottom 8.5% in $1B-$10B

773

Total Deposits

size

Value: $966.12M

Peer Median: $2.32B

#773 of 885 Bottom 12.8% in $1B-$10B

681

Efficiency Ratio

profitability

Value: 68.82%

Peer Median: 59.73%

#681 of 885 Bottom 23.2% in $1B-$10B