Side-by-side · Q2 2026 data
First Lockhart Bank vs Falcon International Bank
Metric by metric
| Measure | First Lockhart Bank | Falcon International Bank |
|---|---|---|
| TellerScore | 63 | 85 (stronger) |
| Capital cushion | 43 | 84 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 48 | 81 (stronger) |
| Funding & liquidity | 57 | 60 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 24th | 97th |
| Total assets | $415.9M | $2.2B |
| Deposits / shares | $375.0M | $2.0B |
| Capital ratio | 9.34% | 13.44% (stronger) |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 0.70% | 1.53% (stronger) |
| Loans ÷ deposits | 82.9% | 73.7% (stronger) |
| Uninsured deposits | 33.0% (stronger) | 39.4% |
| Offices | 6 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 23.7% |
Falcon International Bank has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 1 and Falcon International Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.