TellerScore

First Command Bank (FDIC certificate #34415) is based in Fort Worth, Texas. Its Q2 2026 call report shows $1.1B in total assets and $966.1M in deposits and 1 office.

First Command Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 93% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 65th. Earnings contributes the most (100/100, 2.31%); capital cushion contributes the least (52/100, 10.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.20%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings100/100
Return on assets (annualized): 2.31%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 50.6% · 5.1% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (84 → 82), mostly because the loan quality component weakened by 11 points.

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202485
Q4 202481
Q1 202583
Q2 202584
Q3 202586
Q4 202579
Q1 202681
Q2 202682
Tier 1 leverage ratio
5.00%7.86%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.67%
Q3 202410.34%
Q4 20248.92%
Q1 20259.46%
Q2 202510.06%
Q3 202510.73%
Q4 20259.13%
Q1 20269.56%
Q2 202610.20%
Noncurrent loans
0.04%0.23%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.06%
Q4 20240.04%
Q1 20250.07%
Q2 20250.08%
Q3 20250.11%
Q4 20250.40%
Q1 20260.36%
Q2 20260.42%
Return on assets
2.07%2.19%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.17%
Q3 20242.07%
Q4 20242.19%
Q1 20252.13%
Q2 20252.07%
Q3 20252.18%
Q4 20252.08%
Q1 20262.07%
Q2 20262.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$1.1B10.20%0.42%2.31%50.6%
Q1 202681$1.1B9.56%0.36%2.07%50.3%
Q4 202579$1.1B9.13%0.40%2.08%50.9%
Q3 202586$1.1B10.73%0.11%2.18%52.5%
Q2 202584$1.1B10.06%0.08%2.07%51.7%
Q1 202583$1.1B9.46%0.07%2.13%49.7%
Q4 202481$1.1B8.92%0.04%2.19%48.3%
Q3 202485$1.2B10.34%0.06%2.07%49.9%
Q2 202484$1.0B9.67%0.07%2.17%48.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.20%
42nd
Total risk-based capital19.08%
90th
Problem loans0.42%
58th
Net charge-offs0.54%
7th
Return on assets2.31%
95th
Net interest margin3.59%
42nd
Efficiency ratio68.8%
23rd
Loans to deposits50.6%
96th
Uninsured deposits5.1%
98th
Loan-loss reserves1.18%
54th
Texas ratio1.9%
71st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Frontier Bank of TexasBank Elgin, TX75 out of 100, Strong$1.1B10.0%0.15%vs
The First National Bank of McGregorBank Mc Gregor, TX42 out of 100, Below average$1.1B9.5%2.72%vs
T Bank, National AssociationBank Dallas, TX45 out of 100, Below average$1.1B10.7%2.89%vs
United Texas Bank, National AssociationBank Dallas, TX78 out of 100, Strong$1.1B16.0%0.00%vs
UBankBank Huntington, TX69 out of 100, Moderate$1.0B10.5%0.46%vs
R BankBank Round Rock, TX50 out of 100, Below average$1.0B9.0%1.55%vs

Deposit insurance

Is my money safe at First Command Bank?

Yes. First Command Bank is an FDIC-insured institution (FDIC certificate #34415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.1% of deposits ($49.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.08% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Command Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Command Bank
Type
Savings bank
FDIC certificate #
34415
RSSD ID
2568063
Primary regulator
OCC
Holding company
First Command Finl Planning Employee Stk Ownership Plan Tr
Established
April 18, 1997
Headquarters
1 Firstcomm Plz, Fort Worth, TX 76109
Employees
97

Quick answers

First Command Bank: common questions

Is First Command Bank FDIC insured?

Yes. First Command Bank is an FDIC-insured institution (FDIC certificate #34415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Command Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Command Bank ever failed?

There is no failure record for FDIC certificate #34415 in the FDIC failed bank list.

How many branches does First Command Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Worth

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs
Allied Federal Credit UnionCredit union Arlington, TX88 out of 100, Very strong$137.6M12.2%0.23%vs
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs