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7718 Mcpherson Rd. Bldg. F
Laredo, TX 78045

Falcon International Bank is headquartered in Laredo and is the 67th largest bank in the state of Texas. It is also the 842nd largest bank in the nation. It was established in 1986 and as of March of 2014, it had grown to 256 employees at 14 locations. Falcon International Bank has a B health rating.

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Reviews (3)

THEY SUCK !!!! They Will Be Cheating And Take Advantage Of YOU

Use ANY other bank, but I DO NOT recommend using this bank. They will take advantage of you and they will steal your money with fabricated fees and fine print that you will never understand unless you are a lawyer!

This is Falcon International Bank website.

So Friendly

srsly don't know what these other reviews are talking about. i banked at wells fargo, they were awful so i moved to chase since i had a credit card from them. they dint care about me and it was impossible to talk to an actual person. so i decided to try the community bank thing and wow. never going back. i dont even have a lot in my account and i KNOW my banker.totally recommend this bank to anybody who likes feeling taken care of.

and i am not a lawyer. go figure! 

They Steal

I found out that someone used my card to reserve a hotel room. I call the Marriott to get my money back. I never made the reservation. Marriott says. call your bank... I do they say.. we will put a fraud on your account come by fill out paperwork.... they apparently called the hotel that Stile my money and they made an agreement that I did make this reservation... this is called customer service. is this place supposed to protect their customers... well I am more upset with this bank that the Marriot... there is no.way out for them... they were wrong...... so be aware... they will never protect you or your money.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Falcon International Bank had $34.14 million in non-current loans and owned real-estate with $111.09 million in equity and loan loss allowances on hand to cover it. This gives Falcon International Bank a Texas Ratio of 30.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Falcon International Bank decreased dramatically from 44.44% as of March 31, 2013 to 30.73% as of March 31, 2014, resulting in a positive change of 30.85%.This indicates that the balance sheet and financial strength for Falcon International Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Falcon International Bank has decreased its total deposits by -$11.83 million, resulting in -1.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Falcon International Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Falcon International Bank has $812.66 million in assets with $111.09 million in equity, resulting in a capitalization level of 13.67%, which is excellent.

Institution Statistics

FDIC Certificate #26856
Year Established1986
Primary RegulatorFDIC
Assets and Liabilities
Assets$812.66 million
Loans$490.78 million
Deposits$706.20 million
Equity Capital$99.77 million
Loan Loss Allowance$11.33 million
Unbacked Noncurrent Loans$9.58 million
Real Estate Owned$24.56 million
Historic Data - March 2013
Assets$820.99 million
Equity Capital$94.33 million
Loan Loss Allowance$11.35 million
Unbacked Noncurrent Loans$9.58 million
Real Estate Owned$31.56 million
Profit Margin - Quarterly
Return on Assets0.77%
Return on Equity6.28%
Interest Income$7.36 million

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Falcon International Bank has 15 locations. Click to view all Falcon International Bank locations.