B
The First National Bank in Falfurrias
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.37
Return On
Assets
1.99%
Total
Assets
77.11M
Capital
7.97M
Total
Deposits
69.07M
Net
Income
1.17M
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Weiss Ratings The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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Rating B
Asset Quality Index 9.00
Capitalization Index 9.10
Liquidity Index 5.90
Profitability Index 8.50
Stability Index 7.10
Company Info The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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FDIC Number 14095
Phone Number (361) 325-2565
Website www.fnbfal.com
Asset Quality The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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1-Year Asset Growth 2.87%
5-Year Asset Growth -0.53%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.39%
Non-Performing Loans to Loans 0.17%
Balance Sheet The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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Total Assets 77.11M
Total Deposits 69.07M
Capital and Reserves The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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Capital 7.97M
Leverage Ratio 10.37
Loan Loss Reserves to Loans 1.88%
Risk-Based Capital Ratio --
Liquidity The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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Hot Money Ratio 4.31%
Liquidity Ratio 72.28%
Profitability The First National Bank in Falfurrias
Falfurrias, TX 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 1.17M
Net Interest Spread 4.63%
Operating Profit to Average Assets 1.99%
Overhead Efficiency Ratio 57.22%
Return on Assets 1.99%
Return on Equity 19.78%