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
Unfavorable gap of $5.2M · efficiency ratio beats 100% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.03% | 0.87% | 1.20% | 1.65% | Beats 92% | 16 / 211 | | |
| Return on Equity | 12.41% | 7.52% | 11.67% | 14.58% | Beats 56% | 92 / 211 | | |
| Net Interest Margin | 3.34% | 3.28% | 3.82% | 4.31% | Beats 28% | 152 / 211 | | |
| Efficiency Ratio | 28.58% | 53.01% | 64.18% | 73.65% | Beats 100% | 2 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.22% | 0.01% | 0.30% | 1.10% | Beats 3% | 202 / 208 | | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.06% | Beats 19% | 170 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 16.33% | 11.72% | 14.45% | 19.57% | Beats 62% | 81 / 211 | | |
| Total Risk-Based Capital Ratio | 16.33% | 11.94% | 14.78% | 20.30% | Beats 59% | 87 / 211 | | |
| Equity / Assets | 16.34% | 9.41% | 11.06% | 12.94% | Beats 89% | 23 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 27.64% | 45.39% | 66.56% | 82.03% | 7th pctl | 193 / 208 | | |
| Loans / Assets | 23.05% | 39.13% | 56.90% | 70.46% | 8th pctl | 195 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |