THE FALLS CITY NATIONAL BANK

FALLS CITY, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1907FDIC #3,193

Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.01%

Institution Profile

FDIC BankFind

Website

www.fcnb.net

Address

100 S Front St, FALLS CITY, TX

County

Karnes County

Established

March 23, 1907

Total Assets

$598M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 9, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$598M

Total Deposits

$501M

Net Loans

$136M

Net Income

$3M

ROA

2.01%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.85%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.01%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate6.45%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$490M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	62	75.81%	6.45%
2023	84	78.57%	10.71%
2020	61	90.16%	9.84%
2019	72	93.06%	6.94%
2018	69	94.2%	5.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2024	Satisfactory	Intermediate Small Bank
Aug 2021	Satisfactory	Intermediate Small Bank
Aug 2018	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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