The Falls City National Bank: how it compares with its peers
Against 134 TX banks with half to twice its assets, The Falls City National Bank's strongest measure in Q2 2026 is efficiency ratio (28.58% vs. a 61.15% peer median). Its weakest relative measure is net interest margin (3.41% vs. 4.18%).
| Measure | The Falls City National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.03% | 1.44% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.41% | 4.18% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 28.58% | 61.15% | Top third Ahead of 99% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $21.3M | $7.7M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 27.30% | 76.60% | Context |
What it means for lending operations
Its efficiency ratio of 28.58% is better than the 61.15% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Gulf Capital Bank Houston, TX · $596M
- The First National Bank of East Texas Gilmer, TX · $595M
- First Federal Community Bank, SSB Paris, TX · $604M
- First National Bank of Huntsville Huntsville, TX · $585M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
- SouthTrust Bank, N.A. George West, TX · $579M
Questions about The Falls City National Bank
How big is The Falls City National Bank?
The Falls City National Bank, established in 1907, is headquartered in Falls City, TX. It reported $597M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Falls City National Bank's return on assets?
2.03% annualized in Q2 2026, against a 1.44% median for 134 TX banks with half to twice its assets, ahead of 81% of them.
What is The Falls City National Bank's efficiency ratio?
28.58% in Q2 2026: it spent about 29 cents in noninterest expense for each dollar of revenue. The peer median is 61.15%, and lower is better.
Is The Falls City National Bank growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.