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Falls City National Bank, The

Falls City, TX · Cert 3193

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Falls City National Bank, The

Falls City, TX · Cert 3193

National charter · OCC · 3 branches

Q2 2026

$597.1MAssets
$137.6MLoans
$498.0MDeposits
$97.6MEquity
Loan mix
86%RE $116.8M5%C&I $7.0M9%Consumer $11.6MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $325.2M35%Noninterest $172.8MQ2 2025Q2 2026

NIM

5.06%Q2 ’244.69%Q2 ’254.39%Q2 ’26-11%-6%

Non-interest income vs. expense

0.86%Q2 ’240.86%Q2 ’250.99%Q2 ’26-5%+24%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #38 of 66 inst. · $0.1B of $175.0B

36.7% Karnes
15.7% Wilson

Executive Summary

  • Earnings: ROA of 2.03%, down 24 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 3.22% of loans (+125 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 16.33%, up 84 bps from a year ago.
  • Funding: loans stand at 27.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.03%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-20 bps YoY

Efficiency Ratio (YTD, annualized)

28.58%+519 bps YoY

Tier 1 Leverage Ratio

16.33%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.28%2.19%2.06%2.01%2.03%-24 bps
Return on Equity15.43%14.60%13.62%12.85%12.81%-262 bps
Net Interest Margin3.54%3.50%3.48%3.34%3.34%-20 bps
Efficiency Ratio23.38%24.28%28.99%28.13%28.58%+519 bps
Non-Interest Burden0.71%0.73%0.90%0.84%0.88%+17 bps
Growth
Asset Growth (YoY)1.85%1.63%0.53%0.52%2.76%+91 bps
Loan Growth (YoY)-7.91%-11.53%-3.35%-2.03%-3.60%+431 bps
Deposit Growth (YoY)0.31%0.20%-1.03%-0.95%1.71%+140 bps
Asset Quality
Nonperforming Loans / Loans1.96%2.49%2.54%3.08%3.22%+125 bps
Net Charge-Offs / Loans0.03%0.07%0.03%0.12%0.16%+12 bps
Allowance / Loans1.26%1.24%1.28%1.26%1.22%-4 bps
Allowance Coverage of NPLs0.6x0.5x0.5x0.4x0.4x-0.3x
Capital
Tier 1 Leverage Ratio15.49%15.68%15.55%15.77%16.33%+84 bps
Total Risk-Based Capital15.49%15.68%15.55%15.77%16.33%+84 bps
Equity / Assets15.51%15.72%15.48%15.80%16.34%+83 bps
Liquidity & Funding
Loans / Deposits29.16%29.06%28.05%27.55%27.64%-152 bps
Liquid Assets / Assets73.98%74.35%75.26%75.13%75.94%+196 bps
CRE / Total Capitaln/a68.39%61.62%59.16%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Falls City National Bank, The

Falls City, TX · Cert 3193 · Peer group: banks under $1B in assets in TX (n=208-211)

National charter · OCC · 3 branches

Q2 2026

$597.1MAssets
$137.6MLoans
$498.0MDeposits
$97.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in TX (rank 2 of 211).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in TX (rank 202 of 208).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.03%

Rank 16 of 211

Net Interest Margin

3.34%

Rank 152 of 211

Efficiency Ratio

28.58%

Rank 2 of 211

Equity / Assets

16.34%

Rank 23 of 211

Non-interest income vs. expense

$0.7M$5.9MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 100% of banks under $1B in assets in TX
Bank 28.58%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%0.87%1.20%1.65%Beats 92%16 / 211
Return on Equity12.41%7.52%11.67%14.58%Beats 56%92 / 211
Net Interest Margin3.34%3.28%3.82%4.31%Beats 28%152 / 211
Efficiency Ratio28.58%53.01%64.18%73.65%Beats 100%2 / 211
Asset Quality
Nonperforming Loans / Loans3.22%0.01%0.30%1.10%Beats 3%202 / 208
Net Charge-Offs / Loans0.10%0.00%0.01%0.06%Beats 19%170 / 208
Capital
Tier 1 Capital Ratio16.33%11.72%14.45%19.57%Beats 62%81 / 211
Total Risk-Based Capital Ratio16.33%11.94%14.78%20.30%Beats 59%87 / 211
Equity / Assets16.34%9.41%11.06%12.94%Beats 89%23 / 211
Liquidity & Funding
Loans / Deposits27.64%45.39%66.56%82.03%7th pctl193 / 208
Loans / Assets23.05%39.13%56.90%70.46%8th pctl195 / 211
Brokered Deposits / Depositsn/aNot reported for this institution