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
Unfavorable gap of $38.6M · efficiency ratio beats 64% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.93% | 1.23% | 1.54% | Beats 74% | 67 / 258 | | |
| Return on Equity | 12.42% | 9.26% | 11.84% | 14.74% | Beats 54% | 119 / 258 | | |
| Net Interest Margin | 3.59% | 3.16% | 3.49% | 3.88% | Beats 57% | 110 / 258 | | |
| Efficiency Ratio | 54.99% | 51.71% | 60.30% | 69.65% | Beats 64% | 94 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.19% | 0.46% | 0.90% | Beats 98% | 6 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 61% | 102 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 19.86% | 11.41% | 12.98% | 15.12% | Beats 92% | 20 / 258 | | |
| Total Risk-Based Capital Ratio | 20.95% | 12.10% | 13.91% | 16.08% | Beats 93% | 18 / 258 | | |
| Equity / Assets | 12.24% | 9.09% | 10.24% | 11.72% | Beats 79% | 53 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.49% | 73.24% | 86.34% | 95.95% | 27th pctl | 189 / 258 | | |
| Loans / Assets | 64.94% | 63.01% | 72.27% | 78.40% | 28th pctl | 187 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |