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
Unfavorable gap of $19.9M · efficiency ratio beats 63% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.91% | 1.22% | 1.52% | Beats 64% | 119 / 328 | | |
| Return on Equity | 8.74% | 8.43% | 11.45% | 14.43% | Beats 28% | 237 / 328 | | |
| Net Interest Margin | 3.02% | 3.03% | 3.45% | 3.83% | Beats 25% | 247 / 328 | | |
| Efficiency Ratio | 55.57% | 51.61% | 59.56% | 67.53% | Beats 63% | 123 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.24% | 0.51% | 1.03% | Beats 40% | 194 / 322 | | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.03% | 0.10% | Beats 20% | 259 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 21.92% | 11.75% | 13.15% | 15.47% | Beats 93% | 24 / 328 | | |
| Total Risk-Based Capital Ratio | 22.91% | 12.63% | 14.15% | 16.46% | Beats 93% | 24 / 328 | | |
| Equity / Assets | 15.55% | 9.15% | 10.33% | 12.01% | Beats 95% | 17 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.77% | 76.63% | 87.92% | 95.36% | 5th pctl | 307 / 323 | | |
| Loans / Assets | 40.00% | 65.18% | 74.15% | 79.98% | 5th pctl | 312 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |