Institution Profile
Address: 100 S Front St Falls City, TX 78113
Website:
FDIC Profile:
Established:
3/23/1907
Branches:
3
Branches by Region
TX 3
Financial Overview
Total Assets
$591.27M
Total Deposits
$498.23M
Total Loans
$139.76M
Equity Capital
$91.50M
Employees
26
Allowance for Loan Losses
$1.79M
Performance Ratios
Net Worth Ratio
15.48%
Loan-to-Deposit Ratio
28.05%
Coverage Ratio
1.28% Allowance / Total Loans
Net Income
$12.08M
Return on Assets (ROA)
2.06%
Return on Equity (ROE)
13.62%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +34.76% Total Deposits: +28.92% Total Loans: +21.82% since 2020 Q1
Employee Growth
Employee Growth
Employees: -3.70% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$55.16M 39.5%
Construction
$40.91M 29.3%
Commercial Real Estate
$15.47M 11.1%
Other Consumer
$9.63M 6.9%
Commercial & Industrial
$6.77M 4.8%
Farmland
$6.53M 4.7%
Auto Loans
$2.80M 2.0%
Agricultural
$2.37M 1.7%
Municipal
$21,000 0.0%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +465.09% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $591.27M | $498.23M | $139.76M | $12.08M | 26 |
| 2025 Q3 | $582.55M | $489.53M | $142.24M | $9.63M | 27 |
| 2025 Q2 | $581.05M | $489.64M | $142.78M | $6.69M | 27 |
| 2025 Q1 | $595.01M | $506.04M | $140.94M | $3.32M | 27 |
| 2024 Q4 | $588.15M | $503.41M | $144.60M | $13.16M | 27 |
| 2024 Q3 | $573.20M | $488.54M | $160.78M | $10.45M | 26 |
| 2024 Q2 | $570.49M | $488.12M | $155.04M | $6.94M | 30 |
| 2024 Q1 | $570.08M | $490.37M | $148.47M | $4.14M | 28 |
| 2023 Q4 | $577.87M | $502.25M | $145.11M | $12.04M | 28 |
| 2023 Q3 | $562.27M | $487.46M | $148.15M | $9.34M | 30 |
| 2023 Q2 | $560.98M | $487.95M | $145.09M | $6.37M | 30 |
| 2023 Q1 | $571.49M | $500.60M | $146.77M | $3.46M | 31 |
| 2022 Q4 | $586.87M | $520.74M | $144.91M | $9.06M | 30 |
| 2022 Q3 | $575.09M | $510.36M | $135.31M | $6.24M | 27 |
| 2022 Q2 | $570.00M | $506.75M | $128.89M | $3.76M | 29 |
| 2022 Q1 | $554.38M | $493.28M | $125.18M | $1.60M | 29 |
| 2021 Q4 | $529.26M | $469.75M | $122.77M | $6.18M | 29 |
| 2021 Q3 | $506.00M | $446.62M | $124.75M | $5.07M | 29 |
| 2021 Q2 | $488.18M | $429.47M | $125.15M | $3.39M | 28 |
| 2021 Q1 | $487.51M | $430.44M | $123.08M | $1.74M | 28 |
| 2020 Q4 | $455.86M | $400.61M | $115.10M | $6.57M | 28 |
| 2020 Q3 | $445.46M | $390.36M | $118.48M | $5.66M | 28 |
| 2020 Q2 | $453.70M | $399.50M | $117.90M | $4.03M | 27 |
| 2020 Q1 | $438.76M | $386.47M | $114.73M | $2.14M | 27 |