B
The Falls City National Bank
Rating Date
August 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
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 6.90
Capitalization Index 10.00
Liquidity Index 2.50
Profitability Index 9.30
Stability Index 5.70
Company Info The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 3193
Phone Number (830) 254-3573
Website www.fcnb.net
Asset Quality The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 2.76%
5-Year Asset Growth 5.94%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 4.80%
Non-Performing Loans to Loans 3.30%
Balance Sheet The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 597.11M
Total Deposits 498.01M
Capital and Reserves The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
Capital 97.56M
Leverage Ratio 16.33
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 22.27%
Liquidity Ratio 70.66%
Profitability The Falls City National Bank
Falls City, TX
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 1.87%
Net Income 6.05M
Net Interest Spread 3.40%
Operating Profit to Average Assets 2.46%
Overhead Efficiency Ratio 28.58%
Return on Assets 2.02%
Return on Equity 12.81%