# FALCON INTERNATIONAL BANK
LAREDO, TX · FDIC certificate 26856 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.25B | |
| Deposits | $1.96B | |
| Loans and leases | $1.46B | |
| Total equity | $275.3M | |
| Loans / deposits | 73.70% (p22 of band) | 87.10% |
| Liquid assets / assets | 31.37% (p78 of band) | |
| Uninsured deposits / deposits | 39.43% (p72 of band) | 30.76% |
| Brokered deposits | 0.04% | |
| Wholesale funding | 0.04% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.44% (p88 of band) | 10.50% |
| Unrealized securities loss / equity | -32.28% (p8 of band) | -7.75% |
| AOCI / equity | -0.39% (p43 of band) | |
| ROA (annualized) | 1.53% (p71 of band) | 1.26% |
| Net interest margin | 3.96% (p66 of band) | 3.70% |
| Efficiency ratio | 54.99% (p38 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | 24471.88% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 137.39% (p96 of band) | |
| Auto loans | $2.5M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 424 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 2 |  | noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | deposits shrinking | reserve under noncurrent |
| 2013-03 | 4 | reserve under noncurrent, assets shrinking |  |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 |  | construction >100% equity |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 | reserve under noncurrent | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 1 |  | reserve under noncurrent, capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-19 [Permit reveals Falcon Bank McPherson office plan - Laredo Morning Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNHVQWnVkQjdiVE0zc3hBU1NHMzE0NUh1c1psbmxvSk1iM3lkVTZRWmVKSzROenRtc0thMW1vbTI0cGVYdjM4TzE3MUZPWmF6X0owZXI3Z3pHUmE0X01ZeEh3ZTBXMG9rT2VtdFRJazM0aDdQeGdYcXdZNmkzSHg4aUZPakpxTTNKUmZ3clNiRGtQT2c?oc=5) · Laredo Morning Times
- 2024-06-04 [Falcon Bank robbery suspect has arraignment set - KGNS](https://news.google.com/rss/articles/CBMihgFBVV95cUxObm1fVUN0UmZncDJIWGZiWk5HTUVLb1RKR0hEOTJKVHRxX1dOdjdHYV92TU1jMlc1UTBxczJtVWlrdkItb3dXRVVoMWZjRGs0Y2tKNFl4dWpDcDFNd2FjbzBjV2lOYnpwYk5nZ1VmOUNpaVlpWGtlYXFOTmRERTVyNEFNTXRZUdIBmgFBVV95cUxQNllHajctWmNnc2xfM002R3hRalc1RDM2R2dWNURwLXBaTmlVNW1BSGJIMWN6WFdpNVRUbElObnVTTlF0WEFxcFJsSFFjdlNuQldZMjB4eF9COHJ3M0l6aUpQT2c2VlBBUG1RV256MHFXMHBHQm45Z1E5N2thd2Y2QUtYWXpnYUJ1NWVyS3UtaHFpMWpfOXZmM3Zn?oc=5) · KGNS
- 2025-09-29 [LC, Falcon Bank expand partnership with new community event sponsorships - Laredo Morning Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYWU2Rjh6cjZqZC1ZaGFWay1HT1MxQ2JKSTl0TFNFaXl3Y3hpd0pkWS0wV3VhX0VzNTh5WF9tNk5JU1lyWmFZLXc1MjB2TEdKZENreDdyQ3VDdjJKYmg3SFVHUngxenJWdlN4cHNuRHAtU1pfVXFkRmFpcVJOMUxBNFowc0pkSndyRTBkWnlFOEI1ZUFtcG5KTDRnTUw?oc=5) · Laredo Morning Times
- 2025-11-13 [Laredo man sentenced to over 6 years for bank robbery - KGNS](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdFM4VTlfbFZwZ2RhaVlab2dDMEpXVGtfNm1pSGpaX0UtOU9EOUhQa2FhRHEzSDlXM3hhWTk1c1RTLXlJMHJTbWZxeFdvS0o2X2lNbTF6MzUtXzlpbGN1YXZwTEk2UWRodFViY09HVDYyLXlFVE5MRFB5US00LW00c3JnQ1XSAZgBQVVfeXFMT1FTWlM0X0JIZmJwYzQ2NG9iOS1fY2JGS1NGbzRtU3E1OU9fb1hkQnIzYjh0dHRnTW10YjNweGhtRTF5RFhkNHNKbF9TRzYzWnBuVnBJQ2xmOERZdkE4dXhRNDFvVUtiZW1wU1lXQjM3TGw5VzJnYkdxb0wySnFGREZ6VTRja3UybTBoV3dVbWQ4TDE1MFZ2QnE?oc=5) · KGNS
- 2024-01-18 [Adolfo Gutierrez Jr. appointed Vice Chairman of the Board of Directors of Falcon International Bank - Laredo Morning Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPQmdNNlY4MHVGYjZOcTRaZUQwVUpQUnBockxaRlJYMXNUa2JyRGplLXBfeTJ6Qnl0b0RONGxtVUJmNE9OWmdoa3laZXJXemFKWDBRNEl0d3ZGR2dvMWFkcXRmNWIwalpSaEs2WFNGX2ZWUjUtVlcwdlYxdi1mMWxqOEZ4UnB4UUhTbGNMdDdqMUtxSlhSbTBjRnlBWk4?oc=5) · Laredo Morning Times
- 2016-10-14 [Where in the 1MDB scandal is Falcon Bank? - Malaysiakini](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9tcEl2YW4zQzVVdjF4ek9QOExKd295T3plSmdkZFFlX0wxcWpXaDlkWERPRWVkZlh5NUpQU0pCYVY0bGlzRkRLSjlkdkhxc2F1RGc?oc=5) · Malaysiakini
- 2025-04-01 [Man pleads guilty to robbing Falcon International Bank in Laredo - Laredo Morning Times](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeEZDT3l4NDN4QlpfQUR3SUJObWdaR05QMnZMZG5LSTlJU1l2RHVyOEZmMWY1WUtwOW83X1pScjV0Q2pKeUUtNTVJbnRMc2RCdmlYNGtVU1oxLVVyWUdSTmVhbXJmOE5PSk80REFXYVl5ZkVyb2NScXQtVF8zV2RDS2ZJSm92Q3dVTUNQY2lzOGUtTWJaZ0k0?oc=5) · Laredo Morning Times
- 2021-09-08 [Falcon Bank opens a new bank branch in Zapata - Laredo Morning Times](https://news.google.com/rss/articles/CBMingFBVV95cUxONkR3bDcwTnNKODNKa1UtRV9xdFhIQlVZZ0p0aXVOckRqQ3BwUDRIbl9qVVBkUG9nUlVTUWRwYVFUUDJTMnpHM0ZBanJ2NEdTZHVMeEhjNU1pY195c0ljZ1hCVDV6Y3J1WFh4NkRXNkExZ1duakZVSVFPbVdFUmJwZDJvcmVPVnhQeDVWZTlhdDNmS3NzNHJCUEVseHd2dw?oc=5) · Laredo Morning Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26856 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "26856", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide