Laredo, TX · Cert 26856 · Falcon Bancshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Laredo, TX · 2026 SOD (annual) · 14.6% share · #3 of 10 inst. · $1.3B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 1.58% | 1.55% | 1.45% | 1.59% | -2 bps | |
| Return on Equity | 14.22% | 13.54% | 12.99% | 12.20% | 13.27% | -95 bps | |
| Net Interest Margin | 3.61% | 3.66% | 3.63% | 3.58% | 3.67% | +6 bps | |
| Efficiency Ratio | 51.98% | 54.40% | 52.97% | 56.69% | 53.36% | +138 bps | |
| Non-Interest Burden | 1.57% | 1.59% | 1.58% | 1.73% | 1.63% | +6 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 / Loans | 0.27% | 0.27% | 0.03% | 0.01% | 0.00% | -27 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.01% | 0.02% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.05% | 13.42% | 13.61% | 13.37% | 13.44% | +40 bps | |
| Total Risk-Based Capital | 20.29% | 20.52% | 20.62% | 20.48% | 20.95% | +66 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.70% | 73.86% | 74.54% | 72.71% | 74.49% | +80 bps | |
| Liquid Assets / Assets | 3.84% | 3.74% | 3.65% | 3.45% | 3.45% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |