The Falls City National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Falls City National Bank of Falls City, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.05% | 1.34% | +0.71% | 86th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.77% | 13.32% | -0.55% | 53rd above |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 28.97% | 61.15% | -32.18% | 99th top |
| PPNR / Avg Assets | 2.42% | 1.68% | +0.74% | 87th top |
| Yield on Earning Assets | 4.47% | 5.67% | -1.20% | 8th bottom |
| Cost of Funds | 1.26% | 1.88% | -0.62% | 82nd top |
| Net Interest Spread | 2.52% | 3.32% | -0.80% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.30% | 0.94% | +2.36% | 5th bottom |
| NPA / Total Assets | 0.79% | 0.70% | +0.09% | 27th below |
| NCO / Avg Loans | 0.19% | 0.16% | +0.03% | 13th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 36.83% | 1547.07% | -1510.24% | 5th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.28% | 7.34% | -2.06% | 39th below |
| Provision / NCO | -6.54% | 1396.10% | -1402.64% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.33% | 12.14% | +4.19% | 91st top |
| Equity / Assets | 16.34% | 11.36% | +4.98% | 92nd top |
| TCE / Tangible Assets | 16.34% | 11.08% | +5.26% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 27.64% | 80.69% | -53.05% | 98th top |
| Core Deposit Ratio | 83.07% | 86.85% | -3.78% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.76% | 6.84% | -4.08% | 38th below |
| Loan Growth (Y/Y) | -3.60% | 7.92% | -11.52% | 10th bottom |
| Deposit Growth (Y/Y) | 1.71% | 6.29% | -4.58% | 34th below |
See The Falls City National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Falls City National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Falls City National Bank profile, how to read a UBPR, or how this data updates.