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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 $1.1MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $753.2M36%Noninterest $416.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.35%1.44%1.31%1.37%+4 bps
Return on Equity9.78%9.81%10.21%8.57%8.89%-89 bps
Net Interest Margin2.97%3.07%3.09%2.95%3.02%+5 bps
Efficiency Ratio55.51%57.31%54.86%55.65%55.57%+6 bps
Non-Interest Burden1.21%1.32%1.22%1.16%1.19%-3 bps
Growth
Asset Growth (YoY)6.68%-0.03%1.99%-1.97%-1.51%-819 bps
Loan Growth (YoY)7.95%10.77%10.72%0.21%-3.08%-1,102 bps
Deposit Growth (YoY)2.27%0.64%-1.92%-0.90%1.47%-80 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.13%0.10%3.31%0.66%+56 bps
Net Charge-Offs / Loans2.22%1.46%1.15%0.45%0.26%-196 bps
Allowance / Loans1.71%1.64%1.62%1.71%1.73%+3 bps
Allowance Coverage of NPLs16.8x12.9x16.4x0.5x2.6x-14.2x
Capital
Tier 1 Leverage Ratio13.84%14.33%14.68%15.13%15.53%+168 bps
Total Risk-Based Capital20.09%20.55%21.66%22.51%22.91%+283 bps
Equity / Assets13.60%14.52%15.17%15.44%15.55%+195 bps
Liquidity & Funding
Loans / Deposits58.38%59.66%61.12%55.38%55.77%-261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a199.96%202%195.10%n/an/a