I never liked the Bank…
Have you tried right across the street from the Bank on the corner ? casual, but decent…. I think they have a bar..and you can sit outside on a nice day or evening.
North from Old Town past Rancho Calif Rd (It becomes Jefferson) is ROSA’s decent food & Tortilla factory (near McD’s)
Further north is Guadalajara, but I have never eaten there, but it’s been there for years.
I prefer Mexican food at casual places,, The larger ones tend to be chains with overpriced food….People seem to love El Torito & Acapulco which I avoid.
There are some great taco shops around and some serve beer, but harder to find a full bar.
Fallbrook has about a dozen choices for Mex food, but most are casual, some better than others.