The Falls City National Bank
Falls City, TX
IDRSSD: 441050
Total Assets
$582.55M
Latest filing
Total Deposits
$489.53M
Latest filing
Net Interest Margin
3.52%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Falls City National Bank
100 S Front St
Falls City, TX 78113
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 11/14/2025 |
| CERT | 3193 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $582.55M |
| Total Deposits | $489.53M |
| Total Liabilities | $490.99M |
| Total Equity Capital | $91.56M |
| Net Income | $2.94M |
| Net Loans and Leases | $140.49M |
| Assets Per Employee ($Millions) | $21.58M |
| Bank Premises and Fixed Assets | $985.00k |
| Cash and Balances due from Depository Institutions | $178.28M |
| Deposits Held in Domestic Offices | $489.53M |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 12.94% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 26.12% |
| 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 | 15.717% |
| Earning Assets to total Assets | 98.46% |
Income and Expense
| Total Interest Income | $6.78M |
| Total Noninterest Income | $224.00k |
| Total Interest Expense | $1.74M |
| Total Noninterest Expense | $1.37M |
| Net Interest Income | $5.04M |
| Pre-tax Net Operating Income | $3.89M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $1.46M |
| Total Liabilities and Capital | $582.55M |
Securities
| Securities | $259.90M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $259.90M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Falls City National Bank?
$582.55M as of the latest filing.
How much are The Falls City National Bank's total deposits?
$489.53M in total deposits.
Where is The Falls City National Bank located?
Falls City, TX.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
3.
When was it established?
03/23/1907.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$140.49M (latest filing).
What is the total interest income (latest filing)?
$6.78M.