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Commerce Bank

Laredo, TX · Cert 23772 · International Bancshares Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commerce Bank

Laredo, TX · Cert 23772 · International Bancshares Corp.

State charter, non-member · FDIC · 4 affiliate banks · 3 branches (174 in holding)

Q2 2026

$762.5MAssets
$195.1MLoans
$664.5MDeposits
$78.9MEquity
Loan mix
74%RE $128.5M20%C&I $34.6M6%Consumer $10.8MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $482.6M27%Noninterest $181.9MQ2 2025Q2 2026

NIM

4.29%Q2 ’244.32%Q2 ’254.22%Q2 ’26-1%-1%

Non-interest income vs. expense

1.21%Q2 ’241.20%Q2 ’251.22%Q2 ’26+147%-3%

Market Position · Laredo, TX · 2026 SOD (annual) · 7.5% share · #5 of 10 inst. · $0.7B of $8.8B

Executive Summary

  • Earnings: ROA of 1.81%, down 5 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.03% of loans (-15 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 12.28%, down 182 bps from a year ago.
  • Funding: loans stand at 29.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.81%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.73%-2 bps YoY

Efficiency Ratio (YTD, annualized)

34.27%+31 bps YoY

Tier 1 Leverage Ratio

12.28%-182 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.86%1.96%1.93%1.75%1.81%-5 bps
Return on Equity16.12%17.67%17.72%16.94%17.50%+138 bps
Net Interest Margin2.75%2.79%2.81%2.69%2.73%-2 bps
Efficiency Ratio33.96%33.64%33.57%34.68%34.27%+31 bps
Non-Interest Burden0.38%0.38%0.37%0.36%0.37%-1 bps
Growth
Asset Growth (YoY)8.60%0.39%-1.10%-2.11%-0.07%-868 bps
Loan Growth (YoY)-2.30%1.65%3.63%11.19%23.22%+2,552 bps
Deposit Growth (YoY)7.37%4.69%-0.48%-0.73%-0.06%-742 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.28%0.10%0.08%0.03%-15 bps
Net Charge-Offs / Loans0.10%0.05%0.08%0.29%0.14%+4 bps
Allowance / Loans1.88%1.78%1.74%1.63%1.54%-35 bps
Allowance Coverage of NPLs10.3x6.4x16.8x20.3x53.5x+43.2x
Capital
Tier 1 Leverage Ratio14.10%10.72%11.54%12.04%12.28%-182 bps
Total Risk-Based Capital39.81%30.99%32.67%31.95%30.73%-907 bps
Equity / Assets12.31%9.63%10.25%10.42%10.35%-196 bps
Liquidity & Funding
Loans / Deposits23.82%23.98%24.17%26.52%29.36%+555 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0 bps
CRE / Total Capitaln/a75.51%74.56%93.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commerce Bank

Laredo, TX · Cert 23772 · Peer group: banks under $1B in assets in TX (n=208-211) · International Bancshares Corp.

State charter, non-member · FDIC · 4 affiliate banks · 3 branches (174 in holding)

Q2 2026

$762.5MAssets
$195.1MLoans
$664.5MDeposits
$78.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in TX (rank 7 of 211).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 191 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.77%

Rank 37 of 211

Net Interest Margin

2.73%

Rank 191 of 211

Efficiency Ratio

34.27%

Rank 7 of 211

Equity / Assets

10.35%

Rank 131 of 211

Non-interest income vs. expense

$6.5M$9.3MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 97% of banks under $1B in assets in TX
Bank 34.27%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.87%1.20%1.65%Beats 82%37 / 211
Return on Equity17.10%7.52%11.67%14.58%Beats 86%29 / 211
Net Interest Margin2.73%3.28%3.82%4.31%Beats 9%191 / 211
Efficiency Ratio34.27%53.01%64.18%73.65%Beats 97%7 / 211
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.30%1.10%Beats 72%60 / 208
Net Charge-Offs / Loans0.11%0.00%0.01%0.06%Beats 16%175 / 208
Capital
Tier 1 Capital Ratio29.75%11.72%14.45%19.57%Beats 89%23 / 211
Total Risk-Based Capital Ratio30.73%11.94%14.78%20.30%Beats 89%24 / 211
Equity / Assets10.35%9.41%11.06%12.94%Beats 38%131 / 211
Liquidity & Funding
Loans / Deposits29.36%45.39%66.56%82.03%9th pctl189 / 208
Loans / Assets25.59%39.13%56.90%70.46%11th pctl188 / 211
Brokered Deposits / Depositsn/aNot reported for this institution