Falcon International Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.48 percentage points to 12.24%. Within Texas, Falcon International Bank is 66th of 184 on CET1 ratio, 19.86% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Falcon International Bank sits 6.38 points higher, at 19.86% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.86% |
| Tier 1 risk-based capital ratio | 19.86% |
| Total risk-based capital ratio | 20.95% |
| Tier 1 leverage ratio | 13.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $311.9M |
| Tier 1 capital | $311.9M |
| Total risk-based capital | $329.0M |
| Total equity capital | $275.3M |
| Risk-weighted assets | $1.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.24% |
| Tangible equity to tangible assets | 12.24% |
| Equity capital to average assets | 11.86% |
| Internal capital growth rate | 10.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $67.0M |
| Retained earnings | $243.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.74% | 18.74% | 19.87% | 11.63% | $1.28B |
| Q4 2023 | 19.31% | 19.31% | 20.44% | 12.21% | $1.27B |
| Q1 2024 | 19.18% | 19.18% | 20.29% | 12.08% | $1.32B |
| Q2 2024 | 20.27% | 20.27% | 21.42% | 12.28% | $1.28B |
| Q3 2024 | 20.21% | 20.21% | 21.33% | 13.08% | $1.31B |
| Q4 2024 | 19.21% | 19.21% | 20.27% | 13.25% | $1.42B |
| Q1 2025 | 19.19% | 19.19% | 20.23% | 12.91% | $1.45B |
| Q2 2025 | 19.25% | 19.25% | 20.29% | 13.05% | $1.48B |
| Q3 2025 | 19.46% | 19.46% | 20.52% | 13.42% | $1.50B |
| Q4 2025 | 19.52% | 19.52% | 20.62% | 13.61% | $1.53B |
| Q1 2026 | 19.40% | 19.40% | 20.48% | 13.37% | $1.57B |
| Q2 2026 | 19.86% | 19.86% | 20.95% | 13.44% | $1.57B |
Falcon International Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon International Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Falcon International Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26856) · FFIEC NIC profile (RSSD 564557)