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The Falls City National Bank
Falls City, TX · FDIC Certificate #3193 · Chartered 03/2
Total assets
$597.11M
Total deposits
$498.01M
Total equity
$97.56M
Net loans
$135.97M
Branches (offices)
3
Net income (YTD)
$6.05M
Rank: #1,561 of 4,213 U.S. banks by assets · #140 of 346 in Texas. Assets changed 2.8% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.03% |
| Return on equity | 12.81% |
| Net interest margin (YTD) | 3.41% |
| Equity to assets | 16.34% |
| Tier 1 leverage ratio | 16.33% |
| Uninsured deposits (share of deposits) | 45.7% |
| Noncurrent loans (share of loans) | 3.22% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 27.3% |
| Real estate loans (share of loans) | 85.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $116.08M | 85.4% | |
| Commercial & industrial | $7.39M | 5.4% | |
| Consumer / individual | $11.69M | 8.6% | |
| Construction & development | $39.27M | 28.9% | |
| Agricultural | $2.36M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $570.00M | $506.75M | $3.76M | $62.93M |
| Jun 2023 | $560.98M | $487.95M | $6.37M | $72.10M |
| Jun 2024 | $570.49M | $488.12M | $6.94M | $81.20M |
| Jun 2025 | $581.05M | $489.64M | $6.69M | $90.12M |
| Jun 2026 | $597.11M | $498.01M | $6.05M | $97.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $498.01M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $498.01M.
Similar-sized banks
First Piedmont Federal Savings And Loan Association Of Gaffney ($597.12M) · Pineland Bank ($597.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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