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Falcon International Bank

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Falcon International Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Falcon International Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Falcon International Bank's 7-Month CD Special rates are at 4.00%. MonitorBankRates evaluates the financial stability of Falcon International Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 09/18/2026.

Falcon International Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Falcon International Bank? Share your experience about Falcon International Bank by leaving a review below, or read customer reviews before you decide to use Falcon International Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.02%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Falcon International Bank

7718 Mcpherson Rd Bldg F
Laredo, TX 78045

https://www.falconbank.com

Falcon International Bank CD Rates

Product	Rate	APY	Term	View More
7-Month CD Special	-	4.00%	7-Month
Details Fixed rate for the entire term. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Falcon International Bank Checking Rates

Product	Rate	APY
Rewards Checking	-	4.00%
Min Deposit $100 Min Balance $100,000 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; 2.00% APY* on balances over $100,000 when qualifications are met. 0.05% APY* on all balances if qualifications aren't met. Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction). FREE initial Instant Issue Debit Card. FREE Online and Mobile Banking. No monthly service fee. No per item fee. Zelle. Periodic Electronic Statements (E-Statements) are provided free of charge when you sign up with a valid e-mail address through Online Banking and/or Mobile Banking. After 90 consecutive days of no customer-initiated activity, a monthly $5.00 inactivity fee will be imposed. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Rewards Checking	-	4.00%
Min Deposit $100 Details Qualifications Required: 4.00% APY on balances up to $100,000 when qualifications are met; 2.00% APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); APY on balances up to $100,000 when qualifications are met; APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); FREE initial Instant Issue Debit Card; FREE Online and Mobile Banking; No monthly service fee; No per item fee; Zelle; Periodic Electronic Statements (E-Statements) are provided free of charge when you sign up with a valid e-mail address through Online Banking and/or Mobile Banking. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Rewards Checking	-	2.00%
Min Deposit $100 Details Qualifications Required: 4.00% APY on balances up to $100,000 when qualifications are met; 2.00% APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); APY on balances up to $100,000 when qualifications are met; APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); FREE initial Instant Issue Debit Card; FREE Online and Mobile Banking; No monthly service fee; No per item fee; Zelle; Periodic Electronic Statements (E-Statements) are provided free of charge when you sign up with a valid e-mail address through Online Banking and/or Mobile Banking. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Rewards Checking	-	0.05%
Min Deposit $100 Details Qualifications Required: 4.00% APY on balances up to $100,000 when qualifications are met; 2.00% APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); APY on balances up to $100,000 when qualifications are met; APY on balances over $100,000 when qualifications are met; Refunds on Domestic and International ATM withdrawal fees (up to $10 monthly, $4.99 per transaction); FREE initial Instant Issue Debit Card; FREE Online and Mobile Banking; No monthly service fee; No per item fee; Zelle; Periodic Electronic Statements (E-Statements) are provided free of charge when you sign up with a valid e-mail address through Online Banking and/or Mobile Banking. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Falcon International Bank’s Texas Ratio fell from 4.32% in Q3 2023 to 0.02% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.2B	0.02%	5.0	A+
March 31, 2026	$2.3B	0.03%	5.0	A+
December 31, 2025	$2.2B	0.14%	5.0	A+
September 30, 2025	$2.2B	1.47%	5.0	A+
June 30, 2025	$2.1B	1.54%	5.0	A+
March 31, 2025	$2.1B	1.59%	5.0	A+
December 31, 2024	$2.0B	1.77%	5.0	A+
September 30, 2024	$2.0B	1.81%	5.0	A+
June 30, 2024	$2.0B	3.10%	5.0	A+
March 31, 2024	$2.0B	3.51%	5.0	A+
December 31, 2023	$1.9B	3.70%	5.0	A+
September 30, 2023	$1.9B	4.32%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Falcon International Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Falcon International Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Falcon International Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Falcon International Bank

Bank Holding Company FALCON BANCSHARES INC

Address 7718 Mcpherson Rd Bldg F, Laredo, TX 78045 · Webb

Website https://www.falconbank.com

FDIC Certificate # 26856

Established 19861210

FDIC Insurance Date 19861210

Domestic Offices 19

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5299%

Return on Equity (ROE) 12.7300%

Non-Performing Loans (NPL) 0.00%

Total Assets $2,249,533,000

Total Deposits $1,961,144,000

Equity Capital $275,291,000

Net Income $17,099,000

Headquarters Laredo

Total Branches and Offices 20

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Falcon International Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/falcon-international-bank-rates-review-26856">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Falcon International Bank

Frequently Asked Questions About Falcon International Bank

How many branches does Falcon International Bank operate?

Falcon International Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Falcon International Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Falcon International Bank provides members with tools to manage their accounts and build a solid financial history.

Does Falcon International Bank offer online and mobile banking?

Most modern institutions like Falcon International Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.falconbank.com.