Falcon International Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Falcon International Bank of Laredo, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.55% | 1.44% | +0.11% | 70th above |
| ROAE | 13.27% | 12.50% | +0.77% | 57th above |
| Net Interest Margin | 3.86% | 3.84% | +0.02% | 60th above |
| Efficiency Ratio | 53.27% | 58.88% | -5.61% | 65th above |
| PPNR / Avg Assets | 2.04% | 1.78% | +0.26% | 71st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.01% | 2.03% | -0.02% | 51st above |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.97% | -0.92% | 93rd top |
| NPA / Total Assets | 0.03% | 0.75% | -0.72% | 93rd top |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 54th above |
| ACL / Total Loans | 1.07% | 1.25% | -0.18% | 39th below |
| ACL / NPLs (Coverage) | 2151.37% | 697.23% | +1454.14% | — |
| Texas Ratio | 0.25% | 7.17% | -6.92% | 93rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 161.29% | 815.40% | -654.11% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.86% | 17.40% | +2.46% | 91st top |
| Tier 1 Ratio | 19.86% | 17.44% | +2.42% | 91st top |
| Total Capital Ratio | 20.95% | 18.50% | +2.45% | 91st top |
| Leverage Ratio | 13.44% | 11.59% | +1.85% | 88th top |
| Equity / Assets | 12.24% | 11.33% | +0.91% | 78th top |
| TCE / Tangible Assets | 12.24% | 10.65% | +1.59% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.49% | 86.36% | -11.87% | 79th top |
| Core Deposit Ratio | 74.78% | 85.57% | -10.79% | 13th bottom |
| Uninsured Deposit Ratio | 39.43% | 32.70% | +6.73% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 10.46% | -4.32% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.48% | 7.99% | -1.51% | 55th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 7.98% | -2.64% | 54th above |
See Falcon International Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Falcon International Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Falcon International Bank profile, how to read a UBPR, or how this data updates.