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International Bank of Commerce

Oklahoma City, OK · Cert 59093 · 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 assets3

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 (n=322 to 328). 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

30

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

63

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

Oklahoma City, OK · Cert 59093 · International Bancshares Corp.

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

Q2 2026

$1.6BAssets
$652.3MLoans
$1.2BDeposits
$253.6MEquity
Loan mix
77%RE $497.1M23%C&I $145.7M0%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $753.2M36%Noninterest $416.6MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.9% share · #19 of 71 inst. · $0.6B of $60.8B

0.9% Oklahoma
1.0% Tulsa
4.0% Comanche
1.0% Cleveland

Executive Summary

  • Earnings: ROA of 1.37%, up 4 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.66% of loans (+56 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 15.53%, up 168 bps from a year ago.
  • Funding: loans stand at 55.77% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+5 bps YoY

Efficiency Ratio (YTD, annualized)

55.57%+6 bps YoY

Tier 1 Leverage Ratio

15.53%+168 bps YoY

NIM

4.25%Q2 ’244.22%Q2 ’254.06%Q2 ’26-6%+2%

Non-interest income vs. expense

2.23%Q2 ’242.11%Q2 ’252.21%Q2 ’26+93%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.74%1.72%1.23%1.33%1.35%1.44%1.31%1.37%+4 bps
Return on Equity12.33%12.24%9.07%9.78%9.81%10.21%8.57%8.89%-89 bps
Net Interest Margin3.17%3.05%2.93%2.97%3.07%3.09%2.95%3.02%+5 bps
Efficiency Ratio49.85%50.10%55.77%55.51%57.31%54.86%55.65%55.57%+6 bps
Non-Interest Burden0.89%0.88%1.22%1.21%1.32%1.22%1.16%1.19%-3 bps
Growth
Asset Growth (YoY)5.48%3.38%6.09%6.68%-0.03%1.99%-1.97%-1.51%-819 bps
Loan Growth (YoY)9.32%9.37%4.54%7.95%10.77%10.72%0.21%-3.08%-1,102 bps
Deposit Growth (YoY)-1.97%1.35%3.94%2.27%0.64%-1.92%-0.90%1.47%-80 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.45%1.38%0.10%0.13%0.10%3.31%0.66%+56 bps
Net Charge-Offs / Loans-0.11%-0.05%0.09%2.22%1.46%1.15%0.45%0.26%-196 bps
Allowance / Loans2.72%2.93%2.90%1.71%1.64%1.62%1.71%1.73%+3 bps
Allowance Coverage of NPLs1.5x2.0x2.1x16.8x12.9x16.4x0.5x2.6x-14.2x
Capital
Tier 1 Leverage Ratio14.59%14.47%13.57%13.84%14.33%14.68%15.13%15.53%+168 bps
Total Risk-Based Capital21.33%21.82%20.10%20.09%20.55%21.66%22.51%22.91%+283 bps
Equity / Assets13.82%14.06%13.07%13.60%14.52%15.17%15.44%15.55%+195 bps
Liquidity & Funding
Loans / Deposits54.20%54.15%54.77%58.38%59.66%61.12%55.38%55.77%-261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a199.96%202%195.10%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

Oklahoma City, OK · Cert 59093 · Peer group: banks $1B-$10B in assets (n=322-328) · International Bancshares Corp.

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

Q2 2026

$1.6BAssets
$652.3MLoans
$1.2BDeposits
$253.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 95% of banks $1B-$10B in assets (rank 17 of 328).
  • Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets (rank 259 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.36%

Rank 119 of 328

Net Interest Margin

3.02%

Rank 247 of 328

Efficiency Ratio

55.57%

Rank 123 of 328

Equity / Assets

15.55%

Rank 17 of 328

Non-interest income vs. expense

$17.2M$37.1MINCOMEEXPENSE
Unfavorable gap of $19.9M · efficiency ratio beats 63% of banks $1B-$10B in assets
Bank 55.57%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.36%0.91%1.22%1.52%Beats 64%119 / 328
Return on Equity8.74%8.43%11.45%14.43%Beats 28%237 / 328
Net Interest Margin3.02%3.03%3.45%3.83%Beats 25%247 / 328
Efficiency Ratio55.57%51.61%59.56%67.53%Beats 63%123 / 328
Asset Quality
Nonperforming Loans / Loans0.66%0.24%0.51%1.03%Beats 40%194 / 322
Net Charge-Offs / Loans0.15%0.01%0.03%0.10%Beats 20%259 / 322
Capital
Tier 1 Capital Ratio21.92%11.75%13.15%15.47%Beats 93%24 / 328
Total Risk-Based Capital Ratio22.91%12.63%14.15%16.46%Beats 93%24 / 328
Equity / Assets15.55%9.15%10.33%12.01%Beats 95%17 / 328
Liquidity & Funding
Loans / Deposits55.77%76.63%87.92%95.36%5th pctl307 / 323
Loans / Assets40.00%65.18%74.15%79.98%5th pctl312 / 328
Brokered Deposits / Depositsn/aNot reported for this institution