The Falls City National Bank
Falls City, TX
IDRSSD: 441050
Total Assets
$591.27M
Latest filing
Total Deposits
$498.23M
Latest filing
Net Interest Margin
3.56%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114910523FALLS CITY, TX
Key People
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Locations
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Main Office
The Falls City National Bank
100 S Front St
Falls City, TX 78113
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/23/1907FDIC Certificate 2054
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Falls City National Bank (Main) | 100 S Front St | Falls City, TX |
| POTH BRANCH | Dillworth Plaza | Poth, TX |
| EAGLE CREEK BRANCH | 14565 Fm 775 | Floresville, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/23/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78113 |
| State and County Number | 48255 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fcnb.net |
| Data Updated | 01/30/2026 |
| CERT | 3193 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $591.27M |
| Total Deposits | $498.23M |
| Total Liabilities | $499.77M |
| Total Equity Capital | $91.50M |
| Net Income | $2.44M |
| Net Loans and Leases | $137.97M |
| Assets Per Employee ($Millions) | $22.74M |
| Bank Premises and Fixed Assets | $968.00k |
| Cash and Balances due from Depository Institutions | $151.35M |
| Deposits Held in Domestic Offices | $498.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.66% |
| Return on Equity (ROE) | 10.68% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 43.01% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.476% |
| Earning Assets to total Assets | 98.6% |
Income and Expense
| Total Interest Income | $6.76M |
| Total Noninterest Income | $232.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $2.31M |
| Net Interest Income | $5.14M |
| Pre-tax Net Operating Income | $3.06M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $973.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.54M |
| Total Liabilities and Capital | $591.27M |
Securities
| Securities | $297.81M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $297.81M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Falls City National Bank?
$591.27M as of the latest filing.
How much are The Falls City National Bank's total deposits?
$498.23M in total deposits.
Where is The Falls City National Bank located?
Falls City, TX.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
3.
When was it established?
03/23/1907.
What is the Return on Assets (ROA)?
1.66%.
How much are total loans and leases?
$137.97M (latest filing).
What is the total interest income (latest filing)?
$6.76M.