BlastPoint's Banking Scorecard
Falcon International Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Laredo, TX
19 branches across TX
Falcon International Bank shows strong momentum with 5 strengths and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.09% above tier average
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 4.37% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+7.3% YoY
+4.5% QoQ
|
-$538.2M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.4B
+8.8% YoY
+2.3% QoQ
|
-$528.5M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$2.0B
+6.7% YoY
+4.8% QoQ
|
-$346.2M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
1.45%
-2.4% YoY
-7.1% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.89%
+1.0% YoY
-1.1% QoQ
|
+0.07% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
56.69%
-1.4% YoY
+4.7% QoQ
|
-4.37% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.01%
-98.2% YoY
-80.3% QoQ
|
-0.88% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 2.8% in tier |
| Loan-to-Deposit Ratio ? |
71.92%
+1.9% YoY
-2.4% QoQ
|
-12.29% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
26.86%
-2.4% YoY
+0.2% QoQ
|
+5.57% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.00%
-98.2% YoY
-80.8% QoQ
|
-0.67% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 3.1% in tier |
| Tier 1 Capital Ratio ? |
19.40%
+1.1% YoY
-0.6% QoQ
|
+4.24% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 8.5% in tier |
| Non-Interest Income / Assets ? |
0.18%
+7.2% YoY
-75.6% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.