BlastPoint's Banking Scorecard
The Falls City National Bank
Community
Specialty: Other
TX
FDIC cert 3193
Falls City, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The Falls City National Bank has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier
- + Efficiency Ratio 33.64% below tier
- + Loan-to-Deposit Ratio 55.37% below tier
- + Non-Interest-Bearing Deposit Share 15.04% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13% in Community
- - Capital Thin: Bottom 17% in Community
- - Margin Compression: Bottom 66% in Community
- - Delinquency Rate 1.95% above tier
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$591.3M
+0.5% YoY
+1.5% QoQ
|
-$800.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$138.0M
-3.4% YoY
-1.8% QoQ
|
-$837.5M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$498.2M
-1.0% YoY
+1.8% QoQ
|
-$666.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
2.06%
-10.1% YoY
-6.1% QoQ
|
+0.89% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.55%
-9.5% YoY
-0.1% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
28.99%
+15.7% YoY
+19.4% QoQ
|
-33.64% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.58%
+51.7% YoY
+2.1% QoQ
|
+1.95% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
27.69%
-2.4% YoY
-3.5% QoQ
|
-55.37% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.09%
-8.3% YoY
+2.0% QoQ
|
+15.04% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+33.6% YoY
-1.3% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
+20.6% YoY
+32.1% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 8%
in Community
Why this stands out
Current:
2.06%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
28.99%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
27.69%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Community
Why this stands out
Current:
36.09%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (5)
Deposit Outflow
decline
#33 of 248 · Bottom 13% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Thin
risk
#76 of 432 · Bottom 17% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#79 of 120 · Bottom 66% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.06%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.69% · Tier avg: 83.06%
99
99th pctile
Efficiency Ratio
Current: 28.99% · Tier avg: 62.63%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.09% · Tier avg: 21.05%
92
92th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.16%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
13
13th pctile
Total Assets
Current: $591.3M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $498.2M · Tier avg: $1.2B
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
1
1th pctile
Total Loans
Current: $138.0M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $138.0M · Tier avg: $975.5M
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
13
13th pctile
Total Deposits
Current: $498.2M · Tier avg: $1.2B
13
13th pctile
Total Assets
Current: $591.3M · Tier avg: $1.4B
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.66%
92
92th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.16%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.09% · Tier avg: 21.05%
99
99th pctile
Efficiency Ratio
Current: 28.99% · Tier avg: 62.63%
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.69% · Tier avg: 83.06%