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International Bank of Commerce

Brownsville, TX · Cert 25679 · International Bancshares Corp.

State charter, non-member · FDIC · 41 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

International Bank of Commerce

Brownsville, TX · Cert 25679 · International Bancshares Corp.

State charter, non-member · FDIC · 4 affiliate banks · 41 branches (174 in holding)

Q2 2026

$4.6BAssets
$1.6BLoans
$3.9BDeposits
$579.2MEquity
Loan mix
72%RE $1.1B26%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $2.6B34%Noninterest $1.3BQ2 2025Q2 2026

NIM

4.94%Q2 ’244.58%Q2 ’254.31%Q2 ’26-11%-4%

Non-interest income vs. expense

1.59%Q2 ’241.54%Q2 ’251.62%Q2 ’26+12%+23%

Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 15.5% share · #1 of 20 inst. · $2.5B of $16.0B

15.5% Hidalgo
21.8% Cameron

Executive Summary

  • Earnings: ROA of 1.73%, down 42 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 9.17% of loans (+300 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 14.46%, up 76 bps from a year ago.
  • Funding: loans stand at 40.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-14 bps YoY

Efficiency Ratio (YTD, annualized)

38.52%+317 bps YoY

Tier 1 Leverage Ratio

14.46%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.23%2.18%2.07%1.73%-42 bps
Return on Equity19.66%19.81%18.95%16.50%13.76%-590 bps
Net Interest Margin3.23%3.25%3.22%3.16%3.10%-14 bps
Efficiency Ratio35.36%35.09%35.25%36.55%38.52%+317 bps
Non-Interest Burden0.42%0.41%0.40%0.44%0.52%+10 bps
Growth
Asset Growth (YoY)7.92%4.56%6.71%6.02%5.40%-252 bps
Loan Growth (YoY)15.04%14.22%7.44%1.86%2.73%-1,231 bps
Deposit Growth (YoY)4.94%3.41%4.34%4.24%4.14%-80 bps
Asset Quality
Nonperforming Loans / Loans6.18%6.15%6.16%6.10%9.17%+300 bps
Net Charge-Offs / Loans0.11%0.11%0.12%0.10%0.11%+1 bps
Allowance / Loans1.73%1.73%1.93%1.96%2.50%+77 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio13.71%13.78%14.17%14.53%14.46%+76 bps
Total Risk-Based Capital28.16%28.07%30.03%30.04%29.98%+182 bps
Equity / Assets11.59%12.04%12.57%12.55%12.70%+111 bps
Liquidity & Funding
Loans / Deposits40.75%40.96%40.41%40.16%40.20%-55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a157.60%156.47%152.03%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

International Bank of Commerce

Brownsville, TX · Cert 25679 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · International Bancshares Corp.

State charter, non-member · FDIC · 4 affiliate banks · 41 branches (174 in holding)

Q2 2026

$4.6BAssets
$1.6BLoans
$3.9BDeposits
$579.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 6 of 258).
  • Widest gap: nonperforming loans / loans trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.71%

Rank 36 of 258

Net Interest Margin

3.10%

Rank 201 of 258

Efficiency Ratio

38.52%

Rank 10 of 257

Equity / Assets

12.70%

Rank 39 of 258

Non-interest income vs. expense

$51.1M$75.2MINCOMEEXPENSE
Unfavorable gap of $24.1M · efficiency ratio beats 96% of banks $1B-$10B in assets operating in a single state
Bank 38.52%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.93%1.23%1.54%Beats 86%36 / 258
Return on Equity13.45%9.26%11.84%14.74%Beats 64%93 / 258
Net Interest Margin3.10%3.16%3.49%3.88%Beats 22%201 / 258
Efficiency Ratio38.52%51.71%60.30%69.65%Beats 96%10 / 257
Asset Quality
Nonperforming Loans / Loans9.17%0.19%0.46%0.90%Beats 0%258 / 258
Net Charge-Offs / Loans0.08%0.01%0.02%0.07%Beats 23%199 / 258
Capital
Tier 1 Capital Ratio28.73%11.41%12.98%15.12%Beats 98%6 / 258
Total Risk-Based Capital Ratio29.98%12.10%13.91%16.08%Beats 98%5 / 258
Equity / Assets12.70%9.09%10.24%11.72%Beats 85%39 / 258
Liquidity & Funding
Loans / Deposits40.20%73.24%86.34%95.95%2nd pctl252 / 258
Loans / Assets34.54%63.01%72.27%78.40%2nd pctl252 / 258
Brokered Deposits / Depositsn/aNot reported for this institution