BlastPoint's Banking Scorecard
Falcon International Bank
Community
Specialty: Commercial
TX
FDIC cert 26856
Laredo, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Falcon International Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
- + Tier 1 Capital Ratio 9.28% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+8.1% YoY
+1.2% QoQ
|
+$787.4M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.4B
+9.7% YoY
+2.0% QoQ
|
+$429.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.9B
+7.4% YoY
+1.1% QoQ
|
+$740.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.56%
-4.0% YoY
-0.2% QoQ
|
+0.40% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.93%
+1.5% YoY
-0.1% QoQ
|
+0.27% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
54.16%
+2.3% YoY
-0.7% QoQ
|
-8.47% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.03%
-91.6% YoY
-90.2% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
73.72%
+2.2% YoY
+0.9% QoQ
|
-9.34% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
26.82%
-9.0% YoY
-11.5% QoQ
|
+5.77% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.02%
-91.5% YoY
-90.1% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
19.52%
+1.6% YoY
+0.3% QoQ
|
+9.28% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.72%
-7.3% YoY
+32.8% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.52%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#132 of 268 · Bottom 49% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.52%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
73.72%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 19.52% · Tier avg: 10.24%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
76
76th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.16%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.82% · Tier avg: 21.05%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 83.06%
74
74th pctile
Efficiency Ratio
Current: 54.16% · Tier avg: 62.63%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
Top Weaknesses
67
67th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.66%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
74
74th pctile
Efficiency Ratio
Current: 54.16% · Tier avg: 62.63%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.82% · Tier avg: 21.05%
76
76th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.16%
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.52% · Tier avg: 10.24%