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Falcon International Bank

$1B-$10B Specialty: Commercial TX FDIC cert 26856

Designations: ✓ Community bank ✓ Minority Depository Institution

Laredo, TX

19 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +5.3% year over year ($2.0B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.53%.
  • Efficiency ratio 54.99% vs a 59.73% peer average.
  • Loan-to-deposit ratio 73.70% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Falcon International Bank shows strong momentum with 5 strengths and 6.1% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.86% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.14% above tier average
  • + Net Interest Margin 0.09% above tier average
  • + Efficiency Ratio 4.73% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Falcon International Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.2B
+6.1% YoY -1.2% QoQ
-$543.7M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $1.4B
+6.4% YoY +0.6% QoQ
-$517.9M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $2.0B
+5.3% YoY -1.8% QoQ
-$357.7M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.53%
-1.9% YoY +5.3% QoQ
+0.14% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.96%
+1.1% YoY +1.9% QoQ
+0.09% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 54.99%
+0.6% YoY -3.0% QoQ
-4.73% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.00%
-98.4% YoY -15.2% QoQ
-0.86% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 3.4% in tier
Loan-to-Deposit Ratio ? 73.70%
+1.0% YoY +2.5% QoQ
-11.34% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 26.28%
-8.2% YoY -2.2% QoQ
+5.00% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.00%
-98.4% YoY -13.6% QoQ
-0.67% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 3.2% in tier
Tier 1 Capital Ratio ? 19.86%
+3.2% YoY +2.4% QoQ
+5.02% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 7.8% in tier
Non-Interest Income / Assets ? 0.36%
+9.7% YoY +104.0% QoQ
-0.17% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 26.3%
-2.3pp YoY
-0.6pp QoQ
 +4.9pp 21.4% 29.2% 22.2% 75%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -9.4pp 9.5% 8.0% 8.5% 5%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.5%
-1.8pp YoY
-0.8pp QoQ
 -5.5pp 14.0% 14.8% 12.5% 36%
CRE 80.1%
+2.8pp YoY
+0.8pp QoQ
 +30.1pp 50.0% 48.4% 41.4% 95%
1-4 Family 7.7%
-0.7pp YoY
-0.2pp QoQ
 -18.8pp 26.4% 25.8% 31.3% 11%
Consumer 1.2%
-0.1pp YoY
0.0pp QoQ
 -3.5pp 4.7% 4.7% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 19.9%
+0.6pp YoY
+0.5pp QoQ
 +4.3pp 15.6% 22.7% 19.7% 91%
Leverage Ratio 13.4%
+0.4pp YoY
+0.1pp QoQ
 +2.1pp 11.3% 12.6% 12.6% 88%
Total Capital Ratio 21.0%
+0.7pp YoY
+0.5pp QoQ
 +4.3pp 16.7% 23.8% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 424
+24 (+6.0%) YoY
-2 (-0.5%) QoQ
 +110 313 186 482 80%
Assets per Employee ($) $5.3M
+0.1% YoY
-0.8% QoQ
 -$5.2M $10.5M $10.1M $8.8M 5%
Branch Count 19
0 YoY
0 QoQ
 -1 20 12 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.3pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.0% 1.0% 0%
Allowance Coverage 244.72x
+6437.1% YoY
+16.6% QoQ
 +226.01x 18.71x 18.82x 20.23x 99%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.7%
-1.0pp YoY
+0.5pp QoQ
 +0.1pp 12.6% 13.2% 11.6% 54%
Cost of Funds (YTD) 1.9%
0.0pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.6% 1.7% 48%
Net Income ($, YTD) $17.1M
+5.2% YoY
— QoQ
 -$2.1M $19.2M $15.9M $40.4M 64%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

29
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#29 of 885 Top 3.2% in $1B-$10B
31
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#31 of 882 Top 3.4% in $1B-$10B
70
Tier 1 Capital Ratio
capital
Value: 19.86%
Peer Median: 14.84%
#70 of 885 Top 7.8% in $1B-$10B
188
Loan-to-Deposit Ratio
liquidity
Value: 73.70%
Peer Median: 85.04%
#188 of 885 Top 21.1% in $1B-$10B
219
Non-Interest-Bearing Deposit Share
funding
Value: 26.28%
Peer Median: 21.27%
#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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