B
The Falls City National Bank
Rating Date
October 2025
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 7.50
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 9.50
Stability Index 6.30
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 1.63%
5-Year Asset Growth 7.80%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.73%
Non-Performing Loans to Capital 3.80%
Non-Performing Loans to Loans 2.30%
Balance Sheet The Falls City National Bank
Falls City, TX
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Total Assets 582.56M
Total Deposits 489.53M
Capital and Reserves The Falls City National Bank
Falls City, TX
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Capital 91.56M
Leverage Ratio 15.68
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity The Falls City National Bank
Falls City, TX
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Hot Money Ratio 21.29%
Liquidity Ratio 67.60%
Profitability The Falls City National Bank
Falls City, TX
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5-Year Return on Average Assets 1.76%
Net Income 9.63M
Net Interest Spread 3.56%
Operating Profit to Average Assets 2.76%
Overhead Efficiency Ratio 24.28%
Return on Assets 2.20%
Return on Equity 14.58%