BlastPoint's Banking Scorecard

The Falls City National Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 3193

Falls City, TX

3 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +1.7% year over year ($498.0M on the books).
Delinquency rate 3.26%.
Return on assets 2.03%.
Efficiency ratio 28.58% vs a 64.48% peer average.
Loan-to-deposit ratio 27.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

The Falls City National Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 35.90% below tier average
+ ROA 0.71% above tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Delinquency Rate 2.34% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- Net Interest Margin 0.58% below tier average

Get updates when The Falls City National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$597.1M +2.8% YoY -0.2% QoQ	+$210.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$136.0M -3.6% YoY -0.3% QoQ	-$122.4M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$498.0M +1.7% YoY -0.6% QoQ	+$171.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	2.03% -10.7% YoY +1.2% QoQ	+0.71%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 12.6% in tier
Net Interest Margin ?	3.41% -4.6% YoY -0.5% QoQ	-0.58%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	28.58% +22.2% YoY +1.6% QoQ	-35.90%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 0.7% in tier
Delinquency Rate ?	3.26% +63.8% YoY +4.3% QoQ	+2.34%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 5.5% in tier
Loan-to-Deposit Ratio ?	27.30% -5.2% YoY +0.4% QoQ	-50.65%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 1.4% in tier
Non-Interest-Bearing Deposit Share ?	34.71% -4.4% YoY -3.2% QoQ	+12.68%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 10.2% in tier
Nonperforming Asset Ratio ?	0.77% +19.1% YoY -12.8% QoQ	+0.10%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	16.33% +5.4% YoY +3.5% QoQ	+0.42%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.06% -28.5% YoY +54.6% QoQ	-0.51%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 6.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	34.7% -1.6pp YoY -1.1pp QoQ	+12.6pp	22.1%	29.2%	22.2%	90%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	5.4% +0.3pp YoY +0.3pp QoQ	-6.1pp	11.6%	14.8%	12.5%	22%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	39.1% +2.6pp YoY -0.9pp QoQ	+6.5pp	32.6%	25.8%	31.3%	68%
Consumer	8.6% +0.1pp YoY +0.1pp QoQ	+4.5pp	4.1%	4.7%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	16.3% +0.8pp YoY +0.6pp QoQ	+4.2pp	12.2%	12.6%	12.6%	91%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	28 +1 (+3.7%) YoY 0 QoQ	-31	58	186	482	24%
Assets per Employee ($)	$21.3M -0.9% YoY -0.2% QoQ	+$13.8M	$7.5M	$10.1M	$8.8M	100%
Branch Count	3 0 YoY 0 QoQ	-2	4	12	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.4pp YoY +0.1pp QoQ	+0.1pp	0.3%	0.3%	0.4%	79%
Nonaccrual	2.8% +0.9pp YoY 0.0pp QoQ	+1.9pp	0.9%	1.0%	1.0%	93%
Allowance Coverage	0.38x -41.0% YoY -7.6% QoQ	-23.78x	24.15x	18.82x	20.23x	6%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	12.8% -2.6pp YoY 0.0pp QoQ	+0.6pp	12.2%	13.2%	11.6%	55%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	13%
Net Income ($, YTD)	$6.1M -9.6% YoY — QoQ	+$3.5M	$2.6M	$15.9M	$40.4M	92%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk

#1 of 138 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 28.58%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 28.58%

Peer Median: 64.48%

#19 of 2643 Top 0.7% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 27.30%

Peer Median: 77.95%

#38 of 2643 Top 1.4% in $100M-$1B

271

Non-Interest-Bearing Deposit Share

funding

Value: 34.71%

Peer Median: 22.03%

#271 of 2643 Top 10.2% in $100M-$1B

334

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.32%

#334 of 2643 Top 12.6% in $100M-$1B

520

Total Assets

size

Value: $597.11M

Peer Median: $386.57M

#520 of 2643 Top 19.6% in $100M-$1B

541

Total Deposits

size

Value: $498.01M

Peer Median: $326.73M

#541 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2490

Delinquency Rate

credit_quality

Value: 3.26%

Peer Median: 0.92%

#2490 of 2633 Bottom 5.5% in $100M-$1B

2468

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2468 of 2643 Bottom 6.7% in $100M-$1B

2018

Net Interest Margin

profitability

Value: 3.41%

Peer Median: 3.99%

#2018 of 2643 Bottom 23.7% in $100M-$1B