TellerScore

Falcon National Bank (FDIC certificate #57603) is based in Foley, Minnesota. Its Q2 2026 call report shows $872.3M in total assets and $768.7M in deposits and 6 offices.

Falcon National Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 165th. Problem-loan coverage contributes the most (85/100, 7.3%); funding & liquidity contributes the least (51/100, 95% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.24%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.04%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 95.2% · 27.8% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).

TellerScore
525762Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202452
Q4 202453
Q1 202556
Q2 202562
Q3 202557
Q4 202554
Q1 202659
Q2 202662
Tier 1 leverage ratio
5.00%7.64%10.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.37%
Q3 20249.48%
Q4 20249.32%
Q1 20259.27%
Q2 202510.18%
Q3 202510.11%
Q4 202510.01%
Q1 202610.28%
Q2 202610.24%
Noncurrent loans
0.76%1.12%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.09%
Q3 20241.17%
Q4 20241.03%
Q1 20250.91%
Q2 20250.76%
Q3 20251.23%
Q4 20251.47%
Q1 20261.13%
Q2 20261.04%
Return on assets
0.32%0.76%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.44%
Q4 20240.50%
Q1 20250.76%
Q2 20250.86%
Q3 20250.90%
Q4 20250.88%
Q1 20261.01%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$872.3M10.24%1.04%1.20%95.2%
Q1 202659$885.7M10.28%1.13%1.01%93.8%
Q4 202554$920.9M10.01%1.47%0.88%90.4%
Q3 202557$923.7M10.11%1.23%0.90%91.7%
Q2 202562$894.6M10.18%0.76%0.86%95.2%
Q1 202556$923.5M9.27%0.91%0.76%91.4%
Q4 202453$979.0M9.32%1.03%0.50%86.6%
Q3 202452$895.4M9.48%1.17%0.44%95.4%
Q2 202452$884.8M9.37%1.09%0.32%96.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.24%
36th
Total risk-based capital0.00%
24th
Problem loans1.04%
27th
Net charge-offs0.61%
4th
Return on assets1.20%
47th
Net interest margin4.56%
82nd
Efficiency ratio61.0%
54th
Loans to deposits95.2%
16th
Uninsured deposits27.8%
35th
Loan-loss reserves1.84%
91st
Texas ratio7.3%
26th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
Pioneer BankBank Mapleton, MN71 out of 100, Strong$883.8M10.2%0.58%vs
21st Century BankBank Loretto, MN70 out of 100, Strong$894.8M10.7%0.19%vs
Northeast BankBank Minneapolis, MN74 out of 100, Strong$837.3M10.1%0.20%vs
VersaBank USA National AssociationBank Holdingford, MN89 out of 100, Very strong$911.9M22.5%0.10%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs

Deposit insurance

Is my money safe at Falcon National Bank?

Yes. Falcon National Bank is an FDIC-insured institution (FDIC certificate #57603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($213.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Falcon National Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Falcon National Bank reported 70 home-loan applications under HMDA (LEI 254900QRJBX9155TRB79): 45 originated ($42,165,000 total), 7 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Falcon National Bank
Type
National bank
FDIC certificate #
57603
RSSD ID
3184228
Primary regulator
OCC
Holding company
Centra Ventures Inc
Established
July 1, 2003
Headquarters
183 Cedar Dr, Foley, MN 56329
Employees
119

Quick answers

Falcon National Bank: common questions

Is Falcon National Bank FDIC insured?

Yes. Falcon National Bank is an FDIC-insured institution (FDIC certificate #57603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Falcon National Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Falcon National Bank ever failed?

There is no failure record for FDIC certificate #57603 in the FDIC failed bank list.

How many branches does Falcon National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Foley

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs
Sherburne BankBank Becker, MN78 out of 100, Strong$351.1M9.5%0.02%vs