Falcon International Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.80 percentage points lower than in Q1 2026, at 292.03%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.46B |
| Net loans and leases | $1.45B |
| Loans held for sale | $0 |
| Loans to total assets | 64.94% |
| Loan-to-deposit ratio | 74.49% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.17% |
| Multifamily (5+ residential) | 8.20% |
| Commercial and industrial | 8.38% |
| Consumer | 1.20% |
| Credit cards | 0.00% |
| Farm | 2.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.03% |
| Construction concentration (Tier 1 capital + allowance) | 115.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.94% |
| Interest income on loans | $25.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.17B | $1.72B | 45.67% | 12.34% | 1.29% |
| Q4 2023 | $1.18B | $1.70B | 45.67% | 12.54% | 1.24% |
| Q1 2024 | $1.22B | $1.82B | 46.65% | 12.21% | 1.29% |
| Q2 2024 | $1.19B | $1.76B | 47.47% | 11.20% | 1.41% |
| Q3 2024 | $1.23B | $1.72B | 46.88% | 10.94% | 1.32% |
| Q4 2024 | $1.29B | $1.77B | 46.21% | 10.46% | 1.31% |
| Q1 2025 | $1.33B | $1.87B | 44.76% | 10.37% | 1.29% |
| Q2 2025 | $1.37B | $1.86B | 44.41% | 10.13% | 1.29% |
| Q3 2025 | $1.39B | $1.88B | 43.86% | 9.43% | 1.33% |
| Q4 2025 | $1.42B | $1.91B | 45.28% | 9.08% | 1.23% |
| Q1 2026 | $1.45B | $2.00B | 44.73% | 9.17% | 1.23% |
| Q2 2026 | $1.46B | $1.96B | 45.17% | 8.38% | 1.20% |
Falcon International Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon International Bank, freeSource: Call Report Schedule RC-C, 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)