The First National Bank in Falfurrias
Also written as FNB in Falfurrias
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank in Falfurrias is an FDIC-insured commercial bank headquartered in Falfurrias, TX, established in 1934 (FDIC certificate 14095), and it is supervised by the OCC. At Q2 2026 it reported total assets of $79.4M, up 3.1% from Q2 2025, the 319th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.82% 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
- 14095
- Headquarters
- Falfurrias, TX
- Established
- 1934
- Total assets, Q2 2026
- $79.4M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 9.82%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114919676
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank in Falfurrias Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 319th of 346 in Texas
The First National Bank in Falfurrias, based in Falfurrias, Texas, reported $79 million in assets at June 30, 2026, up 3.1% from a year earlier. It pays an average of 0.64% on its deposits and borrowings, about a third the median of 1.53% for the 533 banks with less than $100 million in assets. It also returns 18.3% a year on shareholders' equity, about double the median of 8.6% for banks its size.
Its $3.2 million non-owner-occupied commercial real estate book is now fully current, after 29.95% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 3.7% and deposits rose 3.7%. Where it has less room is capital: it funds 9.82% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
As of June 30, 2026, The First National Bank in Falfurrias reported a return on assets of 1.76%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.21%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The First National Bank in Falfurrias is the 319th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 6.4% to $79.4M, loans fell 1.0% and deposits fell 7.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 34.2% of total loans, ahead of other consumer loans at 14.9%. The FDIC Summary of Deposits lists a single office for it, in Falfurrias, TX. By the capital ratios in its Q2 2026 call report, The First National Bank in Falfurrias meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Saint Marys St, Falfurrias, TX 78355
- County
- Brooks
- Metro Area
- Alice, TX
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $71.4M
- Allowance for credit losses
- $398K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $82.4M
- Average total loans
- $21.7M
- Average interest-bearing deposits
- $37.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 21, 1934
- FDIC Cert
- 14095
- Fed RSSD
- 442655
- Website
- www.fnbfal.com →
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 First National Bank in Falfurrias 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 First National Bank in Falfurrias's total assets ran between $72.8M (Q3 2023) and $89.9M (Q4 2025), 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
$79.4M total assets against $76.9M; $71.5M total liabilities against $68.9M.
$21.2M net loans and leases against $22.0M; $71.4M total deposits against $68.9M.
$31.3M securities against $21.8M; $25.8M cash and balances due against $32.0M.
$898K total interest income against $959K; $118K total interest expense against $132K.
$780K net interest income against $827K.
$83K total noninterest income against $78K; $501K total noninterest expense against $487K.
$0 provision for credit losses against $0.
$362K net income against $418K.
1.76% return on assets against 2.11%; 4.19% net interest margin against 4.59%.
9.82% tier 1 leverage ratio against 10.28%.
Inside the full The First National Bank in Falfurrias terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q4 2025) to 2.50% (Q3 2024) and its net interest margin ran from 4.07% (Q1 2026) to 4.69% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.82% | 1.76% | 0.08% | 0.21% | 4.19% |
| Q1 2026 | 9.74% | 1.79% | 0.10% | 0.25% | 4.07% |
| Q4 2025 | 9.62% | 1.56% | 0.12% | 0.34% | 4.42% |
| Q3 2025 | 10.37% | 1.90% | 0.15% | 0.39% | 4.63% |
| Q2 2025 | 10.28% | 2.11% | 0.16% | 0.44% | 4.59% |
| Q1 2025 | 10.22% | 1.96% | 0.19% | 0.50% | 4.66% |
| Q4 2024 | 10.17% | 2.02% | 0.20% | 0.59% | 4.54% |
| Q3 2024 | 11.15% | 2.50% | 0.19% | 0.60% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 First National Bank in Falfurrias | Falfurrias , TX | 78355 | $71.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 393 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 First National Bank in Falfurrias
What are The First National Bank in Falfurrias's total assets?
As of the Q2 2026 filing, The First National Bank in Falfurrias reported total assets of $79.4 million in its FFIEC call report.
Where is The First National Bank in Falfurrias headquartered?
It is headquartered in Falfurrias, TX, United States.
When was The First National Bank in Falfurrias founded?
It was established in 1934, per the FDIC institution directory.
Is The First National Bank in Falfurrias FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14095). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank in Falfurrias?
The First National Bank in Falfurrias's primary federal regulator is the OCC.
How many branches does The First National Bank in Falfurrias operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank in Falfurrias's Texas Ratio?
Its Texas Ratio is 0.21% 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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