Falcon International Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.99 percentage points higher than in Q1 2026, at 99.56%. Within Texas, Falcon International Bank is 163rd of 346 on loan-to-deposit ratio, 74.49% as of Q2 2026, above the middle of the field. Falcon International Bank reported 74.49% on loan-to-deposit ratio for Q2 2026, 13.71 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $344.5M |
| Cash and noninterest-bearing balances to assets | 15.32% |
| Cash and securities | $705.7M |
| Fed funds sold and reverse repos | $5.0M |
| Fed funds sold and reverse repos to assets | 0.22% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.49% |
| Net loans and leases to deposits | 73.70% |
| Loans and leases to core deposits | 99.56% |
| Core deposits to total deposits | 74.78% |
| Brokered deposits to total deposits | 0.05% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 67.95% | 85.09% | $0 | $0 |
| Q4 2023 | 69.34% | 83.82% | $0 | $0 |
| Q1 2024 | 66.89% | 83.38% | $0 | $0 |
| Q2 2024 | 67.78% | 81.39% | $0 | $0 |
| Q3 2024 | 71.55% | 79.46% | $0 | $0 |
| Q4 2024 | 72.90% | 78.62% | $0 | $0 |
| Q1 2025 | 71.29% | 77.75% | $0 | $0 |
| Q2 2025 | 73.70% | 77.16% | $0 | $0 |
| Q3 2025 | 73.86% | 76.37% | $0 | $0 |
| Q4 2025 | 74.54% | 75.47% | $0 | $0 |
| Q1 2026 | 72.71% | 76.03% | $0 | $0 |
| Q2 2026 | 74.49% | 74.78% | $0 | $0 |
Falcon International Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon International Bank, freeSource: Call Report Schedules RC and RC-M, 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)