The Falls City National Bank
Also written as FCNB
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Data as of · sourced from FFIEC call reports. How we update
The Falls City National Bank is an FDIC-insured commercial bank headquartered in Falls City, TX, supervised by the OCC, with $597.1M in total assets at Q2 2026, up 2.8% from Q2 2025, the 140th largest of 346 banks headquartered in Texas. It was established in 1907 and holds FDIC certificate 3193. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3193
- Headquarters
- Falls City, TX
- Established
- 1907
- Total assets, Q2 2026
- $597.1M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 16.33%
- Domestic offices
- 3 · The Falls City National Bank branches FDIC institution directory, current count
- Routing number
- 114910523
- Safety and soundness
- Is The Falls City National Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Falls City National Bank Q3 2026 call report, filed October 19, 2026 (preliminary)
- Asset rank in state
- 140th of 346 in Texas
Problem loans are rising at The Falls City National Bank. It reported $597 million in assets at June 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.22% of loans from 1.96% a year earlier. It spends about 29 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,627 banks with $100 million to $1 billion in assets. It also funds 16.33% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Loans and deposits moved in opposite directions: over the year loans fell 3.6% and deposits rose 1.7%. Unrealized losses on its securities total $16 million, equal to 16% of Tier 1 capital, against 19% a year earlier. Its margin is thin by comparison: it keeps 3.39 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, The Falls City National Bank reported a return on assets of 2.05%, a nonperforming-loan ratio of 3.22% and a Texas ratio of 4.61%. The figures come from its call report filed with the FFIEC.
The Falls City National Bank ranks as the 140th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $597.1M, loans fell 0.3% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.6% of total loans, followed by construction and land development loans at 28.5%. The FDIC Summary of Deposits lists 3 offices for it, in Falls City, TX, Poth, TX and Floresville, TX; its Falls City office books 79% of its branch deposits. Judged on its Q2 2026 call report, The Falls City National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Front St, Falls City, TX 78113
- County
- Karnes
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 23, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $498.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $107K
- Average total assets
- $597.6M
- Average total loans
- $137.6M
- Average interest-bearing deposits
- $326.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3193
- Fed RSSD
- 441050
- Website
- http://www.fcnb.net →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Falls City National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Falls City National Bank's total assets ran between $562.3M (Q3 2023) and $598.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$597.1M total assets against $581.0M; $499.6M total liabilities against $490.9M.
$136.0M net loans and leases against $141.0M; $498.0M total deposits against $489.6M.
$301.6M securities against $255.3M; $156.1M cash and balances due against $180.9M.
$6.6M total interest income against $6.8M; $1.6M total interest expense against $1.7M.
$5.0M net interest income against $5.1M.
$118K total noninterest income against $244K; $1.5M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$3.1M net income against $3.4M.
2.05% return on assets against 2.32%; 3.39% net interest margin against 3.55%.
16.33% tier 1 leverage ratio against 15.49%.
Inside the full The Falls City National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Falls City National Bank rankings
Its closest position to the top of a national ranking is 40 of 3,606, for efficiency ratio; its furthest is 1,431 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.66% (Q4 2025) to 2.46% (Q3 2024) and its net interest margin ran from 3.39% (Q2 2026) to 3.92% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.33% | 2.05% | 3.22% | 4.61% | 3.39% |
| Q1 2026 | 15.77% | 1.99% | 3.08% | 5.46% | 3.40% |
| Q4 2025 | 15.55% | 1.66% | 2.54% | 4.85% | 3.56% |
| Q3 2025 | 15.68% | 2.01% | 2.49% | 4.84% | 3.51% |
| Q2 2025 | 15.49% | 2.32% | 1.96% | 4.07% | 3.55% |
| Q1 2025 | 14.73% | 2.26% | 2.15% | 4.48% | 3.62% |
| Q4 2024 | 14.29% | 1.86% | 1.68% | 3.96% | 3.80% |
| Q3 2024 | 14.57% | 2.46% | 1.48% | 3.92% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Falls City National Bank | Falls City , TX | 78113 | $391.6M |
| Poth Branch | Poth , TX | 78147 | $73.9M |
| Eagle Creek Branch | Floresville , TX | 78114 | $32.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 188 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Falls City National Bank
What are The Falls City National Bank's total assets?
As of the Q2 2026 filing, The Falls City National Bank reported total assets of $597.1 million in its FFIEC call report.
Where is The Falls City National Bank headquartered?
It is headquartered in Falls City, TX, United States.
When was The Falls City National Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Falls City National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Falls City National Bank?
The Falls City National Bank's primary federal regulator is the OCC.
How many branches does The Falls City National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Falls City National Bank's Texas Ratio?
Its Texas Ratio is 4.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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