Falcon National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.58 percentage points higher than in Q1 2026, at 188.37%. Falcon National Bank ranks 106th of 221 Minnesota banks on return on assets, in the upper half at 1.39% (Q2 2026). Falcon National Bank reported 1.39% on return on assets for Q2 2026, 0.13 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.24% |
| Equity capital to assets | 10.61% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.91% |
| Texas ratio | 7.37% |
| Allowance for credit losses to loans | 1.84% |
| Reserve coverage of non-performing loans | 188.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 13.38% |
| Net interest margin | 4.65% |
| Efficiency ratio | 60.34% |
| Yield on earning assets | 6.80% |
| Cost of funds | 2.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.98% |
| Core deposits to total deposits | 80.96% |
| Brokered deposits to total deposits | 2.84% |
| Deposits to assets | 88.12% |
| Securities to assets | 8.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.10% | 0.41% | 3.55% | 0.23% | 0.12% |
| Q4 2023 | 8.96% | 0.44% | 3.36% | 0.62% | 0.30% |
| Q1 2024 | 9.15% | 0.26% | 3.27% | 0.74% | 0.32% |
| Q2 2024 | 9.37% | 0.38% | 3.43% | 1.08% | 0.40% |
| Q3 2024 | 9.48% | 0.69% | 3.48% | 1.19% | 0.53% |
| Q4 2024 | 9.32% | 0.67% | 3.65% | 1.05% | 0.59% |
| Q1 2025 | 9.27% | 0.77% | 3.88% | 0.94% | 0.34% |
| Q2 2025 | 10.18% | 1.00% | 4.51% | 0.69% | 0.64% |
| Q3 2025 | 10.11% | 1.01% | 4.42% | 1.25% | 1.21% |
| Q4 2025 | 10.01% | 0.84% | 4.26% | 1.41% | 0.71% |
| Q1 2026 | 10.28% | 1.01% | 4.33% | 1.11% | 0.35% |
| Q2 2026 | 10.24% | 1.39% | 4.65% | 0.98% | 0.91% |
Falcon National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Falcon National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57603) · FFIEC NIC profile (RSSD 3184228)