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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=257 to 258). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

64

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 $0.0BQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $1.4B26%Noninterest $0.5BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.63%1.49%1.56%1.57%1.56%1.45%1.53%-3 bps
Return on Equity14.82%14.80%13.22%13.74%13.66%13.49%12.20%12.73%-100 bps
Net Interest Margin3.49%3.50%3.47%3.51%3.57%3.57%3.58%3.59%+8 bps
Efficiency Ratio54.03%52.96%57.48%54.67%54.57%54.16%56.69%54.99%+33 bps
Non-Interest Burden1.52%1.50%1.72%1.63%1.63%1.60%1.73%1.66%+3 bps
Growth
Asset Growth (YoY)2.78%5.30%3.65%6.58%9.34%8.15%7.34%6.14%-44 bps
Loan Growth (YoY)5.65%9.96%9.34%14.94%12.82%9.79%8.85%6.48%-846 bps
Deposit Growth (YoY)0.33%4.58%2.59%5.72%9.29%7.37%6.73%5.34%-37 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.31%0.28%0.27%0.27%0.03%0.01%0.00%-27 bps
Net Charge-Offs / Loans0.02%-0.01%0.03%0.03%0.02%0.02%0.01%0.02%-1 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.08%13.25%12.91%13.05%13.42%13.61%13.37%13.44%+40 bps
Total Risk-Based Capital21.33%20.27%20.23%20.29%20.52%20.62%20.48%20.95%+66 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits71.55%72.90%71.29%73.70%73.86%74.54%72.71%74.49%+80 bps
Liquid Assets / Assets4.41%4.27%3.87%3.84%3.74%3.65%3.45%3.45%-39 bps
CRE / Total Capitaln/an/an/an/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=257-258) · 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 258).
  • Widest gap: return on equity trails 46% of banks $1B-$10B in assets operating in a single state (rank 119 of 258).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.52%

Rank 67 of 258

Net Interest Margin

3.59%

Rank 110 of 258

Efficiency Ratio

54.99%

Rank 94 of 257

Equity / Assets

12.24%

Rank 53 of 258

Non-interest income vs. expense

$16.1M$54.7MINCOMEEXPENSE
Unfavorable gap of $38.6M · efficiency ratio beats 64% of banks $1B-$10B in assets operating in a single state
Bank 54.99%Peer median 60.3%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.52%0.93%1.23%1.54%Beats 74%67 / 258
Return on Equity12.42%9.26%11.84%14.74%Beats 54%119 / 258
Net Interest Margin3.59%3.16%3.49%3.88%Beats 57%110 / 258
Efficiency Ratio54.99%51.71%60.30%69.65%Beats 64%94 / 257
Asset Quality
Nonperforming Loans / Loans0.00%0.19%0.46%0.90%Beats 98%6 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 61%102 / 258
Capital
Tier 1 Capital Ratio19.86%11.41%12.98%15.12%Beats 92%20 / 258
Total Risk-Based Capital Ratio20.95%12.10%13.91%16.08%Beats 93%18 / 258
Equity / Assets12.24%9.09%10.24%11.72%Beats 79%53 / 258
Liquidity & Funding
Loans / Deposits74.49%73.24%86.34%95.95%27th pctl189 / 258
Loans / Assets64.94%63.01%72.27%78.40%28th pctl187 / 258
Brokered Deposits / Depositsn/aNot reported for this institution