BlastPoint's Banking Scorecard
First Command Bank
Community
Specialty: Other
TX
FDIC cert 34415
Fort Worth, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
First Command Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8% in Community
- + Return on Assets 0.92% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46% in Community
- - Loan-to-Deposit Ratio 32.13% below tier
- - Non-Interest-Bearing Deposit Share 18.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+1.0% YoY
+2.0% QoQ
|
-$315.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$494.7M
+6.2% YoY
+0.8% QoQ
|
-$480.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$971.4M
+0.7% YoY
+3.8% QoQ
|
-$193.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
2.08%
-4.9% YoY
-4.5% QoQ
|
+0.92% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.60%
+9.1% YoY
+0.2% QoQ
|
-0.06% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
65.32%
+4.8% YoY
+0.8% QoQ
|
+2.69% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.40%
+862.1% YoY
+267.6% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
50.93%
+5.4% YoY
-2.9% QoQ
|
-32.13% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.05%
+9.7% YoY
+5.8% QoQ
|
-18.99% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+911.1% YoY
+263.3% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
15.91%
-0.6% YoY
-13.9% QoQ
|
+5.66% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
3.48%
+9.3% YoY
+33.4% QoQ
|
+2.74% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#29 of 371 · Top 8% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.48%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.08%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Return on Assets
metric
Top 8%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (3)
Credit Risk Growth
risk
#299 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
50.93%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
2.05%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 3.48% · Tier avg: 0.74%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.91% · Tier avg: 10.24%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
58
58th pctile
Total Deposits
Current: $971.4M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
40
40th pctile
Efficiency Ratio
Current: 65.32% · Tier avg: 62.63%
30
30th pctile
Total Loans
Current: $494.7M · Tier avg: $975.5M
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.93% · Tier avg: 83.06%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.05% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 2.05% · Tier avg: 21.05%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.93% · Tier avg: 83.06%
30
30th pctile
Total Loans
Current: $494.7M · Tier avg: $975.5M
40
40th pctile
Efficiency Ratio
Current: 65.32% · Tier avg: 62.63%
47
47th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Total Deposits
Current: $971.4M · Tier avg: $1.2B
67
67th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.91% · Tier avg: 10.24%
92
92th pctile
Return on Assets
Current: 2.08% · Tier avg: 1.16%
98
98th pctile
Non-Interest Income / Assets
Current: 3.48% · Tier avg: 0.74%