# FIRST COMMAND BANK
FORT WORTH, TX · FDIC certificate 34415 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.08B | |
| Deposits | $966.1M | |
| Loans and leases | $494.2M | |
| Total equity | $105.3M | |
| Loans / deposits | 50.55% (p5 of band) | 87.10% |
| Liquid assets / assets | 53.11% (p96 of band) | |
| Uninsured deposits / deposits | 5.13% (p2 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.20% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -35.25% (p6 of band) | -7.75% |
| AOCI / equity | -0.82% (p23 of band) | |
| ROA (annualized) | 2.31% (p94 of band) | 1.26% |
| Net interest margin | 3.59% (p42 of band) | 3.70% |
| Efficiency ratio | 68.82% (p77 of band) | |
| Noncurrent loans | 0.42% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.25% (p89 of band) | |
| Reserve coverage of noncurrent | 281.94% | |
| Real estate % of loans | 19% | |
| Construction % of loans | 0.13% (p5 of band) | |
| Auto loans | $36.3M (7.35% of loans; DQ 0.19%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | securities losses >30% of equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | leverage <7% |  |
| 2021-03 | 1 | NIM <2.5% | leverage <7% |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | NIM <2.5% |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2024-12 | 1 |  | wholesale funding >15% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-21 [First Command Names Brent Korte As New Chief Marketing Officer - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNTm13bk54ZDUxM2RKVE1HSEYxMDJTb0NCQmxvNWVmUGdmelctc3NZTTdnQWdkVVlRaVNkdFpLUmpXRTdzSUhNZkd6LS1pX1l6NW41SzZDLWdaeVFYeTktcTlfakh6Wi1QZ29xQWhZVlU5V0paT2RYb3dwckUwT0JZYW9qelhKMzRBQUdqcEdKMk9JRlZpd2ZZVTdLQVhjZWZBclAzR2dpOXdGWkNLZDA0OXN6TEExUkQxSklN?oc=5) · Business Wire
- 2026-02-05 [Barbara Dugas-Patterson named president and CEO of First Command Bank - Fort Worth Report](https://news.google.com/rss/articles/CBMirAFBVV95cUxOSDlhUmJIM21LYW9XcDAzMVg3eEhEU3R5bUhBMldEa2toY1NELXFISjBsX0xxM0FGeEdDWTljOFVMaVMyNUUteVJIc3BDdVhJV1g2ckp1NVZmVi12RmlkdjdUT0FUazlvUHA2cTNHQjRISTNGN0oycHIwRENTTmlvQURMWHYzLUtteU1yMVQyeU8xRzZuU1ZmOGtBbmVYWjFma1JfbEhTc0c3eDEz?oc=5) · Fort Worth Report
- 2026-02-17 [Back to work: Executive calls off retirement to lead First Command Bank - Fort Worth Report](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZkZkd3ZNSUtkV3ZXMnd0ZG5WUUhpaEpCU3hxZ1IycldvSXkwcW5iUEVuMFpJTDFCY1lUTXhIbm9kRkNYQ0s2S3RjYV8xaDRJTGdxNHhkZ1pSaHprcWcxczdfaGZPMjRld3duTTFYVzVLOXd5NFpUenY5elF0V0lGNUMwOGp6R2g1eEhQUEFOUGo0QWx3d2lBd2lGQUhWX3FDc2pxMlZ6RnQ5cTdzQVdR?oc=5) · Fort Worth Report
- 2023-07-19 [Force projection: How CEO Mark Steffe is engineering growth at First Command - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxQS2NvNEFNeUVZTTBQYVF1TkdUQlhUTl80YWJvR29HblFMSllfdVIzbUtSSl9IZ0xtNDkzQjJXMHhCMVRpZTBhMTI5M2YyMFNkckFMeWxqTmRpbnZqNC0tTVc3Vi1ZdWs5LVpPdHFMOE5ySUZ0OGV3c0Fxak5CZnAwNzExRi11NnJ4dGtCUUpCOU5vam5tUXZR?oc=5) · The Business Journals
- 2021-09-17 [First Command Is A Proud Sponsor Of Army West Point Athletics - Learfield](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ0VxMDBaT1FYSzVZcFRIS1Y0TnFOSV9TRy14NDRFdVJxU0Z3VUFkR0laOWRkU3o5Nk1aYTdXSDFKMEgwSlVpZkZhenVPdndWOHM3X280SVpJQ0ZET1dEUGhUMVVfbUpkYl9GaDR2ZHpkQ3VJc3BqVmUyclExOTlNY3JzUFNIMGgzUmlMUGNRTnoydmpBUzNFekRjOW1PbU0?oc=5) · Learfield
- 2025-11-21 [First Command Provides $10 Million in Support During Shutdown - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxNeS0tYllhajVmcS1VUE1QVzQxX2d6MW5BczdUZ3JkR1ctdmNERHM2am9EOW1UMzl0cHFSVW94d1BsaHZXbEFkTkxhX2FRc0t2M2JPM2lEYWpuczJ0RHNqTHppTnFhbEozbkYtREJGQzVKb2dSS1VLUzcxV0VlamdldzF1b1JjWkQ1cEdWNjdjVTZvZkNRN2J4ZWhvNWR6aER5TmZxRGM0SjJZb2Nrb1JpSlAySlZjNW9Rd3BFLQ?oc=5) · Business Wire
- 2025-05-15 [Exploring Life & Business with Diane Prothro Judy Miller of First Command Bank - Voyage Dallas](https://news.google.com/rss/articles/CBMisgFBVV95cUxNbmNvdDhWZ2lnQ0dRallhcnpFOGpYVG5GcnNnc2k5OWp2SHhZRm9ycW9seEd0V0FuN0lHeDU4ZlVva0VBY0xVR21HTnptTkxZY0trZVVyZ0NjcmxVRkFlQXVIMGJudnhFMlcxbmt0dU1PdkN6cGQ0VzZ3T3E4RWJydHRRandGQkROVTlsN0dndHpTeEdOajd1amFyUEpYTHJ4cW9iTFQzVFlqWnBIR0pmblVB?oc=5) · Voyage Dallas
- 2024-05-22 [First Command Financial Services taps transformation exec from Cleveland Fed - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxORzh0QzRUMTBNUDFHU3hNOVg4Ym5FVW1QN2NpeTBDRjNKTFZlQ0RLMG4zNXdMVXhPcUFmRW51SWVxT1o1T3h0bXgzV3pGcXRJMml1MW14TUZTdG1rQlFuNkRaRkJFS2FXRWlaQVFFWERUMGpOdFdfQ0FYYk94b3V4YkpqYVhHeUNNNjJMbnFB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34415 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "34415", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide