TellerScore

Falcon International Bank (FDIC certificate #26856) is based in Laredo, Texas. Its Q2 2026 call report shows $2.2B in total assets and $2.0B in deposits and 20 offices.

Falcon International Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 47th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (60/100, 74% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.44%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 39.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (82 → 85), mostly because the loan quality component improved by 9 points.

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202483
Q4 202483
Q1 202581
Q2 202582
Q3 202583
Q4 202586
Q1 202685
Q2 202685
Tier 1 leverage ratio
5.00%9.30%13.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.28%
Q3 202413.08%
Q4 202413.25%
Q1 202512.91%
Q2 202513.05%
Q3 202513.42%
Q4 202513.61%
Q1 202613.37%
Q2 202613.44%
Noncurrent loans
0.00%0.28%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.34%
Q4 20240.31%
Q1 20250.28%
Q2 20250.27%
Q3 20250.27%
Q4 20250.03%
Q1 20260.01%
Q2 20260.00%
Return on assets
1.45%1.54%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.62%
Q4 20241.63%
Q1 20251.49%
Q2 20251.56%
Q3 20251.57%
Q4 20251.56%
Q1 20261.45%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$2.2B13.44%0.00%1.53%73.7%
Q1 202685$2.3B13.37%0.01%1.45%71.9%
Q4 202586$2.2B13.61%0.03%1.56%73.7%
Q3 202583$2.2B13.42%0.27%1.57%73.1%
Q2 202582$2.1B13.05%0.27%1.56%72.9%
Q1 202581$2.1B12.91%0.28%1.49%70.6%
Q4 202483$2.0B13.25%0.31%1.63%72.1%
Q3 202483$2.0B13.08%0.34%1.62%70.8%
Q2 202478$2.0B12.28%0.56%1.63%67.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.44%
88th
Total risk-based capital20.95%
93rd
Problem loans0.00%
96th
Net charge-offs0.02%
60th
Return on assets1.53%
71st
Net interest margin3.96%
66th
Efficiency ratio55.0%
62nd
Loans to deposits73.7%
79th
Uninsured deposits39.4%
28th
Loan-loss reserves1.07%
41st
Texas ratio0.0%
97th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Golden Bank, National AssociationBank Houston, TX66 out of 100, Moderate$2.3B13.7%2.16%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
Citizens National Bank of TexasBank Waxahachie, TX70 out of 100, Strong$2.2B12.2%1.42%vs
Security State Bank & TrustBank Fredericksburg, TX66 out of 100, Moderate$2.2B12.6%2.22%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs
First United BankBank Dimmitt, TX77 out of 100, Strong$2.4B11.2%0.41%vs

Deposit insurance

Is my money safe at Falcon International Bank?

Yes. Falcon International Bank is an FDIC-insured institution (FDIC certificate #26856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.4% of deposits ($773.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.95% (benchmark: 10%).

Check how much of your own balance is covered

20 locations

Branches

Falcon International Bank lists 18 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Falcon International Bank reported 105 home-loan applications under HMDA (LEI 549300ZW58TM1KU8CK35): 69 originated ($46,925,000 total), 22 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Falcon International Bank
Former names
Falcon National Bank
Type
State-chartered bank
FDIC certificate #
26856
RSSD ID
564557
Primary regulator
FDIC
Holding company
Falcon Bancshares Inc
Established
December 10, 1986
Headquarters
7718 Mcpherson Rd Bldg F, Laredo, TX 78045
Employees
424

Quick answers

Falcon International Bank: common questions

Is Falcon International Bank FDIC insured?

Yes. Falcon International Bank is an FDIC-insured institution (FDIC certificate #26856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Falcon International Bank's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Falcon International Bank ever failed?

There is no failure record for FDIC certificate #26856 in the FDIC failed bank list.

How many branches does Falcon International Bank have?

20 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laredo

InstitutionScoreAssetsCapitalProblem loansCompare
Commerce BankBank Laredo, TX87 out of 100, Very strong$762.5M12.3%0.03%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
South Texas Regional Federal Credit UnionCredit union Laredo, TX83 out of 100, Strong$5.7M15.5%0.15%vs
Laredo Federal Credit UnionCredit union Laredo, TX75 out of 100, Strong$136.6M11.3%0.35%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs