BlastPoint's Banking Scorecard
The Falls City National Bank
Falls City, TX
3 branches across TX
The Falls City National Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.16% below tier average
- + Non-Interest-Bearing Deposit Share 13.82% above tier average
- + ROA 0.74% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 21.3% in tier
- - Margin Compression: Bottom 71.8% in tier
- - Delinquency Rate 2.23% above tier average
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$598.1M
+0.5% YoY
+1.2% QoQ
|
+$212.0M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$136.3M
-2.0% YoY
-1.2% QoQ
|
-$119.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$501.2M
-1.0% YoY
+0.6% QoQ
|
+$173.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
2.01%
-10.6% YoY
-2.2% QoQ
|
+0.74% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 12.3% in tier |
| Net Interest Margin ? |
3.43%
-4.9% YoY
-3.4% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
28.13%
+21.5% YoY
-3.0% QoQ
|
-37.16% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 0.6% in tier |
| Delinquency Rate ? |
3.12%
+43.2% YoY
+21.2% QoQ
|
+2.23% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.8% in tier |
| Loan-to-Deposit Ratio ? |
27.20%
-1.1% YoY
-1.8% QoQ
|
-49.44% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.84%
-7.0% YoY
-0.7% QoQ
|
+13.82% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.88%
+31.8% YoY
+14.7% QoQ
|
+0.24% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.77%
+7.0% YoY
+1.4% QoQ
|
-0.06% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.04%
+1.8% YoY
-76.5% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.4% in tier |
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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 (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.