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Letter portraitLegal landscapeQuarterYTD

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