B
The Falls City National Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Falls City National Bank
Falls City, TX
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Rating B
Asset Quality Index 7.40
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 9.50
Stability Index 5.70
Company Info The Falls City National Bank
Falls City, TX
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FDIC Number 3193
Phone Number (830) 254-3573
Website www.fcnb.net
Asset Quality The Falls City National Bank
Falls City, TX
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1-Year Asset Growth 0.53%
5-Year Asset Growth 5.94%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 4.03%
Non-Performing Loans to Loans 2.50%
Balance Sheet The Falls City National Bank
Falls City, TX
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Total Assets 591.27M
Total Deposits 498.23M
Capital and Reserves The Falls City National Bank
Falls City, TX
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Capital 91.50M
Leverage Ratio 15.55
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio --
Liquidity The Falls City National Bank
Falls City, TX
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Hot Money Ratio 21.44%
Liquidity Ratio 65.92%
Profitability The Falls City National Bank
Falls City, TX
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5-Year Return on Average Assets 1.76%
Net Income 12.08M
Net Interest Spread 3.56%
Operating Profit to Average Assets 2.59%
Overhead Efficiency Ratio 28.99%
Return on Assets 2.06%
Return on Equity 13.57%