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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