Falcon International Bank: how it compares with its peers
Against 58 TX banks with half to twice its assets, Falcon International Bank's strongest measure in Q2 2026 is net interest margin (3.96% vs. a 3.89% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $9.1M).
| Measure | Falcon International Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.56% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.89% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.99% | 56.85% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $9.1M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.70% | 77.51% | Context |
What it means for lending operations
Its efficiency ratio of 54.99% is better than the 56.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Golden Bank, National Association Houston, TX · $2.28B
- Texas Community Bank Laredo, TX · $2.20B
- Citizens National Bank of Texas Waxahachie, TX · $2.19B
- Security State Bank & Trust Fredericksburg, TX · $2.18B
- Texas First Bank Texas City, TX · $2.35B
- First United Bank Dimmitt, TX · $2.41B
Questions about Falcon International Bank
How big is Falcon International Bank?
Falcon International Bank, established in 1986, is headquartered in Laredo, TX. It reported $2.25B in total assets in its Q2 2026 FDIC call report and operates 20 offices.
What is Falcon International Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.56% median for 58 TX banks with half to twice its assets, ahead of 47% of them.
What is Falcon International Bank's efficiency ratio?
54.99% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 56.85%, and lower is better.
Is Falcon International Bank growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.