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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

4.44%Q2 ’244.31%Q2 ’254.30%Q2 ’26-3%+3%

Non-interest income vs. expense

1.24%Q2 ’241.24%Q2 ’251.23%Q2 ’26+136%-14%

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

Executive Summary

  • Earnings: ROA of 1.88%, up 6 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.03% of loans (-15 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.88%+6 bps YoY

Net Interest Margin (quarter, annualized)

2.82%+8 bps YoY

Efficiency Ratio (quarter, annualized)

33.88%-141 bps YoY

Tier 1 Leverage Ratio

12.28%-182 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.81%2.13%1.87%1.75%1.88%+6 bps
Return on Equity15.15%19.38%18.79%16.94%18.07%+292 bps
Net Interest Margin2.75%2.88%2.60%2.69%2.82%+8 bps
Efficiency Ratio35.29%33.04%33.33%34.68%33.88%-141 bps
Non-Interest Burden0.45%0.38%0.28%0.36%0.39%-6 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%0.16%0.29%0.03%-7 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