Total Assets
$921M
Total balance-sheet footings
FDIC Cert #57603 · Foley, Minnesota · Est. 2003
Falcon National Bank - FDIC Bank Health Profile
A community-scale look at Falcon National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $921M
- Total assets
- B
- Health grade · Good
- 0.88%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
Falcon National Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.01% Tier 1, 0.88% ROA, 64% efficiency ratio.
- #1,124
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 10.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Falcon National Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Falcon National Bank's composite health score
Tier 1 Capital Ratio (10.01%) 28/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (10.71%) 16/20
Efficiency Ratio (63.75%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$820M
Customer-funded liabilities
Net Loans
$742M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Falcon National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Falcon National Bank's score of 66/100 falls in the highlighted band.
Falcon National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Falcon National Bank's $921M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.01%
Texas Ratio
10.71%
Equity Capital
$89M
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
9.60%
Efficiency Ratio
63.75%
What the numbers say about Falcon National Bank
Falcon National Bank is an FDIC-insured institution (Certificate #57603) headquartered in Foley, Minnesota, established in 2003. It holds $921M in total assets - 1,124th of 4,313 FDIC-insured banks, $820M in customer deposits, and $742M in net loans. On safety, its Tier 1 capital ratio of 10.01% is above the 10% well-capitalized threshold, and its Texas Ratio of 10.71% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, Falcon National Bank ranks 20th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$60M
Interest Income
$2M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Falcon National Bank reports a Texas Ratio of 10.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Falcon National Bank (FDIC Cert #57603) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Falcon National Bank's health grade?▼
Falcon National Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Falcon National Bank?▼
Falcon National Bank holds $921M in total assets and $820M in deposits, ranking 1,124th of 4,313 FDIC-insured banks by asset size. It is headquartered in Foley, Minnesota.
Is my money safe at Falcon National Bank?▼
Yes, deposits at Falcon National Bank (Certificate #57603) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Falcon National Bank's Tier 1 Capital Ratio?▼
Falcon National Bank has a Tier 1 Capital Ratio of 10.01%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Falcon National Bank?▼
Falcon National Bank has a Texas Ratio of 10.71%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Falcon National Bank?▼
Falcon National Bank has an Efficiency Ratio of 63.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Falcon National Bank's profile as a depositor or analyst.
- Falcon National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Falcon National Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.