Falcon International Bank
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Data as of · sourced from FFIEC call reports. How we update
Falcon International Bank is an FDIC-insured commercial bank headquartered in Laredo, TX, established in 1986 (FDIC certificate 26856), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.25B, up 6.1% from Q2 2025, the 50th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 19.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26856
- Headquarters
- Laredo, TX
- Established
- 1986
- Total assets, Q2 2026
- $2.25B
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 19.86%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 114915803
- Latest call report
- Q2 2026, FFIEC 031 · Falcon International Bank call report
- Holding company
- FALCON BANCSHARES INCORPORATED
- Asset rank in state
- 50th of 346 in Texas
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%. The figures come from its call report filed with the FFIEC.
Falcon International Bank ranks as the 50th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $2.25B, loans rose 0.6% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.2% of total loans, ahead of construction and land development loans at 25.9%. Its 18 offices in the FDIC Summary of Deposits are in 9 cities in TX; its Laredo 7 offices book 66% of its branch deposits. Judged on its Q2 2026 call report, Falcon International Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 19 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Falcon International Bank's total assets moved between a low of $1.91B (Q4 2023) and a high of $2.28B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.25B total assets against $2.12B; $1.97B total liabilities against $1.87B.
$1.45B net loans and leases against $1.36B; $1.96B total deposits against $1.86B.
$356.2M securities against $383.1M; $344.5M cash and balances due against $272.1M.
$31.3M total interest income against $29.1M; $9.9M total interest expense against $9.4M.
$21.3M net interest income against $19.7M.
$4.1M total noninterest income against $3.4M; $13.5M total noninterest expense against $12.0M.
$275K provision for credit losses against $430K.
$9.0M net income against $8.6M.
1.55% return on assets against 1.57%; 3.86% net interest margin against 3.81%.
19.86% CET1 capital ratio against 19.25%; 13.44% tier 1 leverage ratio against 13.05%.
Inside the full Falcon International Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 545 of 4,196, for total assets; its furthest is 3,319 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.42% (Q1 2026) to 1.62% (Q4 2024) and its net interest margin ran from 3.66% (Q1 2025) to 3.88% (Q4 2024).
| 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
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 441 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Falcon International Bank headquartered?
It is headquartered in Laredo, TX, United States.
When was Falcon International Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Falcon International Bank FDIC-insured?
Yes. It 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.
What is Falcon International Bank's CET1 capital ratio?
It 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?
It operates 19 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?
Its Texas Ratio is 0.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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