PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 1.59%, down 2 bps year over year; NIM at 3.67%.
  • 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 (quarter, annualized)

1.59%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+6 bps YoY

Efficiency Ratio (quarter, annualized)

53.36%+138 bps YoY

Tier 1 Leverage Ratio

13.44%+40 bps YoY

NIM

5.38%Q2 ’245.33%Q2 ’255.39%Q2 ’26+3%+2%

Non-interest income vs. expense

2.11%Q2 ’242.20%Q2 ’252.33%Q2 ’26+8%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.67%1.49%1.62%1.58%1.55%1.45%1.59%-2 bps
Return on Equity14.12%14.50%13.22%14.22%13.54%12.99%12.20%13.27%-95 bps
Net Interest Margin3.51%3.66%3.47%3.61%3.66%3.63%3.58%3.67%+6 bps
Efficiency Ratio57.42%49.85%57.48%51.98%54.40%52.97%56.69%53.36%+138 bps
Non-Interest Burden1.72%1.47%1.72%1.57%1.59%1.58%1.73%1.63%+6 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 / Loans0.03%-0.10%0.03%0.02%0.01%0.02%0.01%0.02%0 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