TellerScore

The Falls City National Bank (FDIC certificate #3193) is based in Falls City, Texas. Its Q2 2026 call report shows $597.1M in total assets and $498.0M in deposits and 3 offices.

Based on its Q2 2026 filing, The Falls City National Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 230th. Its strongest component is capital cushion (100/100; 16.33%), and its lowest is loan quality (0/100; 3.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.33%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.22%
Earnings100/100
Return on assets (annualized): 2.03%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 27.3% · 45.7% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.61%

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

From Q2 2025 to Q2 2026, the score fell 9 points (78 → 69), mostly because the loan quality component weakened by 35 points.

TellerScore
697581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202481
Q4 202478
Q1 202575
Q2 202578
Q3 202573
Q4 202573
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%10.66%16.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.31%
Q3 202414.57%
Q4 202414.29%
Q1 202514.73%
Q2 202515.49%
Q3 202515.68%
Q4 202515.55%
Q1 202615.77%
Q2 202616.33%
Noncurrent loans
1.48%2.35%3.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.63%
Q3 20241.48%
Q4 20241.68%
Q1 20252.15%
Q2 20251.96%
Q3 20252.49%
Q4 20252.54%
Q1 20263.08%
Q2 20263.22%
Return on assets
2.01%2.22%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.42%
Q3 20242.43%
Q4 20242.28%
Q1 20252.25%
Q2 20252.28%
Q3 20252.19%
Q4 20252.06%
Q1 20262.01%
Q2 20262.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$597.1M16.33%3.22%2.03%27.3%
Q1 202669$598.1M15.77%3.08%2.01%27.2%
Q4 202573$591.3M15.55%2.54%2.06%27.7%
Q3 202573$582.6M15.68%2.49%2.19%28.7%
Q2 202578$581.0M15.49%1.96%2.28%28.8%
Q1 202575$595.0M14.73%2.15%2.25%27.5%
Q4 202478$588.1M14.29%1.68%2.28%28.4%
Q3 202481$573.2M14.57%1.48%2.43%32.5%
Q2 202479$570.5M14.31%1.63%2.42%31.4%

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 ratio16.33%
91st
Total risk-based capital0.00%
24th
Problem loans3.22%
5th
Net charge-offs0.15%
15th
Return on assets2.03%
87th
Net interest margin3.41%
24th
Efficiency ratio28.6%
99th
Loans to deposits27.3%
99th
Uninsured deposits45.7%
6th
Loan-loss reserves1.22%
53rd
Texas ratio4.6%
38th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Gulf Capital BankBank Houston, TX71 out of 100, Strong$596.5M13.8%0.65%vs
The First National Bank of East TexasBank Gilmer, TX60 out of 100, Moderate$594.8M10.0%1.58%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs
First National Bank of HuntsvilleBank Huntsville, TX90 out of 100, Very strong$584.9M13.3%0.05%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs

Deposit insurance

Is my money safe at The Falls City National Bank?

Yes. The Falls City National Bank is an FDIC-insured institution (FDIC certificate #3193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.7% of deposits ($227.4M) 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 16.33%, 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

3 locations

Branches

The Falls City National Bank lists 3 offices in 3 cities. Most locations:

  • Falls City, TX (1)
  • Floresville, TX (1)
  • Poth, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Falls City National Bank reported 56 home-loan applications under HMDA (LEI 549300LL55GPEKSXNY85): 54 originated ($12,890,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, 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
The Falls City National Bank
Type
National bank
FDIC certificate #
3193
RSSD ID
441050
Primary regulator
OCC
Established
March 23, 1907
Headquarters
100 S Front St, Falls City, TX 78113
Employees
28

Quick answers

The Falls City National Bank: common questions

Is The Falls City National Bank FDIC insured?

Yes. The Falls City National Bank is an FDIC-insured institution (FDIC certificate #3193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Falls City National Bank's TellerScore?

69 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 The Falls City National Bank ever failed?

There is no failure record for FDIC certificate #3193 in the FDIC failed bank list.

How many branches does The Falls City National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Falls City

InstitutionScoreAssetsCapitalProblem loansCompare
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs
Third Coast BankBank Humble, TX71 out of 100, Strong$6.7B11.4%0.50%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs