# FALLS CITY NATIONAL BANK
FALLS CITY, TX · FDIC certificate 3193 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $597.1M | |
| Deposits | $498.0M | |
| Loans and leases | $137.6M | |
| Total equity | $97.6M | |
| Loans / deposits | 27.30% (p1 of band) | 82.04% |
| Liquid assets / assets | 76.65% (p99 of band) | |
| Uninsured deposits / deposits | 45.67% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.33% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -16.34% (p28 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 2.03% (p87 of band) | 1.28% |
| Net interest margin | 3.41% (p24 of band) | 3.91% |
| Efficiency ratio | 28.58% (p1 of band) | |
| Noncurrent loans | 3.22% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 37.80% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 40.25% (p47 of band) | |
| Auto loans | $3.0M (2.15% of loans; DQ 7.06%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 | capital falling | noncurrent p90 |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, noncurrent p90 |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | capital falling, NIM <2.5% |  |
| 2021-06 | 3 |  | NIM <2.5% |
| 2021-09 | 3 | NIM <2.5% | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | capital falling, charge-offs p90 |  |
| 2022-06 | 4 | securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 5 | capital falling, charge-offs p90 |  |
| 2023-03 | 4 |  | capital falling |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | charge-offs p90 | securities losses >30% of equity |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | noncurrent p90 |  |
| 2025-06 | 1 |  | noncurrent p90 |
| 2025-09 | 2 | noncurrent p90 |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-01-04 [Vincent A. Dziuk - Wilson County News](https://news.google.com/rss/articles/CBMiakFVX3lxTE5Oc2x2ZlhHYnJjS2xmeTgwbC14eWp5dGhzMWJXT3ktYllCWjZkbVZXUTAzbmN3OXpCUjd2TVFOQ3RxTDRIYVFta01NSC1BTXBMRDBhaU1YN0Y4TkgxMURkazRIMHh0LXlXVWc?oc=5) · Wilson County News
- 2021-04-12 [Polish woman made strong local impact - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOMVBuSjJGREp2YXo5emM5NGxmU184N2hUQjU2N0pmdk5EYUNVaV9DeEFwSFIya0NfbTJhMFUzY0tIQmJUcFJ4SEFKUHkzeUNoRnFFWkpEeVN4eWYwQldIT2R5OWpDdWlWOVppbGR1VEZlOEppZjRKTFFFaFNXcmpUM3BlVlBxV0F5ZU1JNzZoUjBtVFVxd2tMM3hSTzJ3RnFzMHhsY1NXazNzd192MXpxVG0zeEZDOE5fNmlJMTdnbXN5TVJRWmtnUGNseXhDeVl0UHlNRWVkeG8?oc=5) · SouthTexasNews.com
- 2026-08-05 [Eugene Kosarek Obituary - New Braunfels, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONEJfNWwxeXBzM21NZWZveFBhTkg2SVl2alpLcU5WSnE4NFh3TTNrYTZWdFNCcVBqSF9TSUxGRmxUbG03LWpIU2Z6enZKQThJMG9ZTklSelVBZ3o2akNicWhhWUJzV3l3RXhrUXFoV2d1SnNLOUlQWW14Q1k2UXFIYXV3VERDbjM0cUZJ?oc=5) · Dignity Memorial
- 2025-09-28 [EVA CHAPA Obituary (1941 - 2019) - Floresville, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWUVkWVJUa2hCa0M2MEJ3c1ZjSHFuTVpfWGNlQm9iMVRUbTJLNmdpdG96NXUyZ09GOW5HUU9TNnhuM3JLa2dSaWFFOS1EU3FUVDlUTFM3Y2JsS3hyMzZnMzVWV0FNLWl3YkNrV2NEZWk5RFBiT1ZlZ3hITzJlTFhoYjBuZnAtZ1RHOGc?oc=5) · legacy.com
- 2019-01-04 [Titzman retires after 48 years - Wilson County News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1ua25lTkJQTnBjT2FSYWs5Ymt5VXRlRm9rNmcwLWNBckJjTG85cnJlMG1zVWlxcTZIeFVidVVhX0t2bmUxMGRWVW9BTE5SYjBOd3BHaW05TFk1bV8xU0s5bW53UWFmV0JwX1ZoejJTVHhwRUUyUGl2ZndST2lwUQ?oc=5) · Wilson County News
- 2016-01-22 [Mary Balser Obituary (2016) - Karnes City, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQTRqNkI5Z0U3RVp2alN5UEJ2TWdxaWxvNjhMbWswdUZrMUdHMjYzMTlsak5VVHhSemxQMFlaWG5mWHlIckdDZlE1eGxjZE5jenJnZFNCM0pyQ3E3QzlUeGcxd3JaQ0owc1N2ZG5JbHc2MVVFcE01QnhLck1VRU1UVkVxdHVBOTd0MTBVYg?oc=5) · legacy.com
- 2019-01-11 [Sgt. Mitchel Thomas Mutz U.S. Army - Wilson County News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOM09RalJYMDUzcS00UjA3b2p0a21hakg3T01Td0x2dEVLcmlfVDF1TGtjaXBJTTNPTTF3YmJJY291c3FrMzlacnZzNmNNNm5HdGloZWR2Yl9XUDhha3ctOUxPaFJZbUw2Mm5WY05PODRiZl9GNmZObi05dlhndmZkcA?oc=5) · Wilson County News
- 2023-03-20 [Lacy Lea Pruski Obituary (2023) - Karnes City, TX - Rhodes Funeral Home - Karnes City - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5PazRsNWU3RkNPU3dIN3BOcWM5X2tmU25ZNVBzVWxfXzlMNjhZSUdjRHhLSVM3VTN6bmllcHNmLW85MkhLSDljSjItMkRqOHF0WG1ZYndyNmpqa3M1cm04RHhYU002MjRJODZYeW9YY2JkeWd3czNadkxuUzBhWkU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3193 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "3193", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide