FALLS CITY NATIONAL BANK, THE

FALLS CITY, TX | Medium | Est. March 23, 1907, midnight | FDIC #3193 | RSSD #441050 | OCC
Latest Report: 2025-12-31

FALLS CITY NATIONAL BANK, THE is amn medium FDIC-insured commercial bank headquartered in FALLS CITY, TX, established in March 23, 1907, midnight. As of 2025-12-31, the bank reported total assets of $591M and total deposits of $498M. Profitability stands at 1.66% ROA and 10.68% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 15.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.21% and a Texas Ratio of 4.35%. FDIC Certificate #3193.

Assets

$591M

Deposits

$498M

Loans

$140M

Equity

$92M

Profitability

Return on Assets (ROA) 1.66%
Return on Equity (ROE) 10.68%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.01%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 2.21%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.35%
NPA Ratio 0.69%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 15.48%
Tier 1 Capital 15.48%
Total Capital Ratio 16.25%
Leverage Ratio 15.55%
Loan-to-Deposit 28.05%

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