Falcon International Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Falcon International Bank carries far more capital than most banks of its size. Its balance sheet stood at $2.2 billion at June 30, 2026, up 6.1% from a year earlier; it is based in Laredo, Texas. It holds common equity equal to 19.86% of its risk-weighted assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Unrealized losses on its securities total $65 million, equal to 21% of Tier 1 capital, against 25% a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.27%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Falcon International Bank reported a CET1 capital ratio of 19.86%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 7718 Mcpherson Rd Bldg F, Laredo, TX 78045
- County
- Webb
- Metro Area
- Laredo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- December 10, 1986
- Offices
- 20 domestic
- Employees (FTE)
- 424
- Domestic deposits
- $1.96B
- Allowance for credit losses
- $15.7M
- Net charge-offs (YTD)
- $124K
- Average total assets
- $2.32B
- Average total loans
- $1.45B
- Average interest-bearing deposits
- $1.46B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 1986
- FDIC Cert
- 26856
- Fed RSSD
- 564557
- Website
- www.falconbank.com →
- Parent Holding Company
- FALCON BANCSHARES INCORPORATED (RSSD 2270254)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Falcon International Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Falcon International Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Falcon International Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.86% | 1.55% | 0.00% | 0.02% | 3.86% |
| Q1 2026 | 19.40% | 1.42% | 0.01% | 0.03% | 3.77% |
| Q4 2025 | 19.52% | 1.53% | 0.03% | 0.13% | 3.83% |
| Q3 2025 | 19.46% | 1.55% | 0.27% | 1.39% | 3.86% |
| Q2 2025 | 19.25% | 1.57% | 0.27% | 1.46% | 3.81% |
| Q1 2025 | 19.19% | 1.43% | 0.28% | 1.51% | 3.66% |
| Q4 2024 | 19.21% | 1.62% | 0.31% | 1.67% | 3.88% |
| Q3 2024 | 20.21% | 1.55% | 0.34% | 1.71% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hillside Branch | Laredo , TX | 78041 | $458.4M |
| Downtown Branch | Laredo , TX | 78040 | $444.8M |
| Stone Oak Branch | San Antonio , TX | 78258 | $167.6M |
| First National Bank Eagle Pass Branch | Eagle Pass , TX | 78852 | $151.4M |
| Falcon International Bank (main office) | Laredo , TX | 78045 | $137.9M |
| South Bibb Avenue Branch | Eagle Pass , TX | 78852 | $106.9M |
| Brownsville Branch | Brownsville , TX | 78520 | $102.2M |
| San Dario Branch | Laredo , TX | 78041 | $90.9M |
| San Isidro Branch | Laredo , TX | 78045 | $69.6M |
| East Branch | Laredo , TX | 78043 | $57.0M |
| Mcallen 83 Branch | Mcallen , TX | 78501 | $48.4M |
| Calle Del Norte Branch | Laredo , TX | 78041 | $32.4M |
| Del Rio Main Office Branch | Del Rio , TX | 78840 | $26.3M |
| Mcallen North 10th Branch | Mcallen , TX | 78504 | $19.3M |
| Bandera Branch | Helotes , TX | 78023 | $19.3M |
| Citizens State Bank | Zapata , TX | 78076 | $14.6M |
| Buda Office Branch | Buda , TX | 78610 | $13.2M |
| Del Rio North Branch | Del Rio , TX | 78840 | $817K |
Regulatory record
What the public regulatory sources show for Falcon International Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 10 against individuals associated with it. These actions name the parent holding company, FALCON BANCSHARES INCORPORATED, not the bank itself
- August 5, 1992, OCC: Formal Agreement: Falcon National Bank
- July 7, 1992, OCC: Civil Money Penalty (CMP): Falcon National Bank
- Period: Most recent institution action August 5, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TX, rank 69 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 69 loans originated, $46.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $332K approved, $332K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Falcon International Bank
What are Falcon International Bank's total assets?
As of the Q2 2026 filing, Falcon International Bank reported total assets of $2.25 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Falcon International Bank headquartered?
Falcon International Bank is headquartered in Laredo, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Falcon International Bank founded?
Falcon International Bank was established in 1986, per the FDIC institution directory.
Is Falcon International Bank FDIC-insured?
Yes. Falcon International Bank is an FDIC-insured commercial bank (FDIC Certificate #26856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Falcon International Bank?
Falcon International Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Falcon International Bank's CET1 capital ratio?
Falcon International Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Falcon International Bank operate?
Falcon International Bank operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Falcon International Bank's Texas Ratio?
Falcon International Bank's Texas Ratio is 0.02% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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