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Falcon International Bank

Laredo, TX · Cert 26856 · Falcon Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Falcon International Bank

Laredo, TX · Cert 26856 · Falcon Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.2BAssets
$1.5BLoans
$2.0BDeposits
$275.3MEquity
Loan mix
89%RE $1.3B9%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.4B26%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.28%Q2 ’245.23%Q2 ’255.29%Q2 ’26+3%+2%

Non-interest income vs. expense

2.22%Q2 ’242.27%Q2 ’252.36%Q2 ’26+16%+2%

Market Position · Laredo, TX · 2026 SOD (annual) · 14.6% share · #3 of 10 inst. · $1.3B of $8.8B

14.6% Webb
22.2% Maverick
0.1% Bexar
1.5% Cameron

Executive Summary

  • Earnings: ROA of 1.53%, down 3 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.00% of loans (-27 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.44%, up 40 bps from a year ago.
  • Funding: loans stand at 74.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+8 bps YoY

Efficiency Ratio (YTD, annualized)

54.99%+33 bps YoY

Tier 1 Leverage Ratio

13.44%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.57%1.56%1.45%1.53%-3 bps
Return on Equity13.74%13.66%13.49%12.20%12.73%-100 bps
Net Interest Margin3.51%3.57%3.57%3.58%3.59%+8 bps
Efficiency Ratio54.67%54.57%54.16%56.69%54.99%+33 bps
Non-Interest Burden1.63%1.63%1.60%1.73%1.66%+3 bps
Growth
Asset Growth (YoY)6.58%9.34%8.15%7.34%6.14%-44 bps
Loan Growth (YoY)14.94%12.82%9.79%8.85%6.48%-846 bps
Deposit Growth (YoY)5.72%9.29%7.37%6.73%5.34%-37 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.27%0.03%0.01%0.00%-27 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.01%0.02%-1 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.05%13.42%13.61%13.37%13.44%+40 bps
Total Risk-Based Capital20.29%20.52%20.62%20.48%20.95%+66 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits73.70%73.86%74.54%72.71%74.49%+80 bps
Liquid Assets / Assets3.84%3.74%3.65%3.45%3.45%-39 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Falcon International Bank

Laredo, TX · Cert 26856 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Falcon Bancshares Inc.

State charter, non-member · FDIC · 18 branches

Q2 2026

$2.2BAssets
$1.5BLoans
$2.0BDeposits
$275.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 6 of 269).
  • Widest gap: return on equity trails 46% of banks $1B-$10B in assets operating in a single state (rank 123 of 269).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.52%

Rank 71 of 269

Net Interest Margin

3.59%

Rank 118 of 269

Efficiency Ratio

54.99%

Rank 99 of 268

Equity / Assets

12.24%

Rank 59 of 269

Non-interest income vs. expense

$16.1M$54.7MINCOMEEXPENSE
Unfavorable gap of $38.6M · efficiency ratio beats 63% of banks $1B-$10B in assets operating in a single state
Bank 54.99%Peer median 60.2%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.93%1.23%1.54%Beats 74%71 / 269
Return on Equity12.42%9.13%11.77%14.52%Beats 54%123 / 269
Net Interest Margin3.59%3.16%3.50%3.88%Beats 56%118 / 269
Efficiency Ratio54.99%51.70%60.21%69.66%Beats 63%99 / 268
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.45%0.89%Beats 98%6 / 269
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 59%110 / 269
Capital
Tier 1 Capital Ratio19.86%11.29%13.10%15.21%Beats 91%23 / 269
Total Risk-Based Capital Ratio20.95%12.04%13.91%16.33%Beats 92%21 / 269
Equity / Assets12.24%9.18%10.29%11.76%Beats 78%59 / 269
Liquidity & Funding
Loans / Deposits74.49%72.68%86.29%95.72%27th pctl196 / 269
Loans / Assets64.94%62.46%72.27%78.37%29th pctl191 / 269
Brokered Deposits / Depositsn/aNot reported for this institution