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
Unfavorable gap of $24.1M · efficiency ratio beats 96% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.93% | 1.23% | 1.54% | Beats 86% | 36 / 258 | |
| Return on Equity | 13.45% | 9.26% | 11.84% | 14.74% | Beats 64% | 93 / 258 | |
| Net Interest Margin | 3.10% | 3.16% | 3.49% | 3.88% | Beats 22% | 201 / 258 | |
| Efficiency Ratio | 38.52% | 51.71% | 60.30% | 69.65% | Beats 96% | 10 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.17% | 0.19% | 0.46% | 0.90% | Beats 0% | 258 / 258 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.02% | 0.07% | Beats 23% | 199 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 28.73% | 11.41% | 12.98% | 15.12% | Beats 98% | 6 / 258 | |
| Total Risk-Based Capital Ratio | 29.98% | 12.10% | 13.91% | 16.08% | Beats 98% | 5 / 258 | |
| Equity / Assets | 12.70% | 9.09% | 10.24% | 11.72% | Beats 85% | 39 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 40.20% | 73.24% | 86.34% | 95.95% | 2nd pctl | 252 / 258 | |
| Loans / Assets | 34.54% | 63.01% | 72.27% | 78.40% | 2nd pctl | 252 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |