International Bank of Commerce
International Bank of Commerce reported total assets of $4.6 bn at Q2 2026, up 5.4% from a year earlier. That ranks 301st among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 28.73%, and an estimated 30.10% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Noncurrent loans to total loans: up 3.08 pp on Q1 2026, to 9.17%
- Return on equity (ROE): down 2.74 pp on Q1 2026, to 13.76%
- Bank equity capital: up 2.1% on Q1 2026, to $579.2 mn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about International Bank of Commerce?
Its largest one-quarter change in total assets since Q1 2016 was +144.3% between Q3 2021 and Q4 2021, a quarter with no merger or acquisition in the FDIC history. Against its six size peers, its noncurrent loans to total loans stands out most: 9.17% at Q2 2026, above the peer median of 0.87%. By return on equity (ROE) it moved from 81st to 175th among 500 banks between Q1 2026 and Q2 2026 (1 = highest). Its common equity tier 1 (CET1) ratio of 28.73% at Q2 2026 is in the highest 5% of the 448 banks reporting it (rank 17 of 448, 1 = highest). Its noncurrent loans to total loans of 9.17% at Q2 2026 is among the highest 5% of the 500 banks reporting it, a loan-quality outlier (rank 498 of 500, 1 = lowest).
How large is International Bank of Commerce?
At Q2 2026 the bank held $4.6 bn of assets. Deposits were $3.9 bn and net loans and leases $1.5 bn, a loan-to-deposit ratio of 39.20%. Securities of $1.8 bn made up 40.2% of assets.
Total assets rose 360.3% between Q1 2016 and Q2 2026, from $991.1 mn.
How much of its funding is uninsured?
An estimated 30.10% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.21 pp from the previous quarter and +1.56 pp from a year earlier. That share ranks 315th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $4.6 bn | +5.4% | 301st of 497 |
| Total deposits | $3.9 bn | +4.1% | 291st of 499 |
| Net loans and leases | $1.5 bn | +1.9% | 484th of 500 |
| Bank equity capital | $579.2 mn | +15.5% | 270th of 498 |
| Common equity tier 1 (CET1) ratio | 28.73% | +1.78 pp | 17th of 448 |
| Tier 1 leverage ratio | 14.46% | +0.76 pp | 29th of 500 |
| Return on equity (ROE) | 13.76% | -5.90 pp | 175th of 500 |
| Net interest margin | 3.37% | -0.18 pp | 328th of 500 |
| Uninsured share of domestic deposits | 30.10% | +1.56 pp | 315th of 500 |
| Noncurrent loans to total loans | 9.17% | +3.00 pp | 498th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.00 pp | 281st of 500 (1 = lowest) |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026.
- Total assets $4.6bn
- Deposits $3.9bn
- Net loans $1.5bn
Capital and securities
The common equity tier 1 (CET1) ratio was 28.73% at Q2 2026, +1.78 pp from a year earlier. Since Q1 2016 it has ranged from 19.70% (Q3 2022) to 28.79% (Q1 2026). At Q2 2026 the tier 1 leverage ratio was 14.46% and the total risk-based capital ratio 29.98%. The median CET1 ratio of the size peers listed below was 15.98% at Q2 2026.
Available-for-sale securities showed an unrealized loss of $120.4 mn at Q2 2026; the loss narrowed by $7.5 mn from a year earlier.
Capital ratios
- Total capital 30%
- CET1 29%
- Tier 1 leverage 14%
Unrealized gains and losses on securities
- Available for sale -$120mn
- Held to maturity $0
Profitability and loan quality
Return on equity was 13.76% for the year to Q2 2026, annualized, with a return on assets of 1.73% and a net interest margin of 3.37%. The margin was -0.18 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 38.52%. Net income for the year to Q2 2026 was $38.9 mn, down 14.7% on the same period a year earlier. The median return on equity of its size peers was 12.82% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 9.17% of total loans at Q2 2026. Net charge-offs for the year to date were 0.12% of average loans, annualized.
Profitability
- Return on equity 14%
- Net interest margin 3.4%
- Return on assets 1.7%
Compared with banks of similar size
The six banks ranked closest to International Bank of Commerce by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, International Bank of Commerce is 4th by total assets. Its CET1 ratio of 28.73% compares with a peer median of 15.98%, its tier 1 leverage ratio of 14.46% compares with a peer median of 11.11%, and its return on equity of 13.76% compares with a peer median of 12.82%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| First National Bank Texas | $4.6 bn | 19.71% | 18.70% | 8.51% | |
| PeoplesBank | $4.6 bn | 12.39% | 4.83% | 26.30% | |
| VeraBank | $4.6 bn | 17.27% | 14.09% | 29.04% | |
| International Bank of Commerce | $4.6 bn | 28.73% | 13.76% | 30.10% | |
| Hingham Institution for Savings | $4.6 bn | 14.69% | 11.55% | 35.83% | |
| First State Community Bank | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | $4.5 bn | 30.06% | 4.95% | 1.30% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 15.98%, return on equity 12.82%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
International Bank of Commerce, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 9.6% to $4.6 bn, deposits rose 7.7% to $3.9 bn and bank equity capital rose 36.4% to $579.2 mn. Over the same period its full-time equivalent staff went from 467 to 453 and its offices went from 41 to 41.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.1 bn | $4.3 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn | $4.6 bn |
| Total deposits | $3.6 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.8 bn | $3.9 bn | $3.9 bn |
| Bank equity capital | $424.7 mn | $425.2 mn | $466.3 mn | $501.4 mn | $524.2 mn | $551.7 mn | $567.4 mn | $579.2 mn |
| Common equity tier 1 (CET1) ratio | 25.94% | 26.11% | 25.97% | 26.95% | 26.88% | 28.78% | 28.79% | 28.73% |
| Return on equity (ROE) | 28.16% | 27.22% | 20.46% | 19.66% | 19.81% | 18.95% | 16.50% | 13.76% |
| Uninsured share of domestic deposits | 28.21% | 28.27% | 27.89% | 28.54% | 29.00% | 29.35% | 29.89% | 30.10% |
| Full-time equivalent employees | 467 | 475 | 466 | 469 | 458 | 455 | 464 | 453 |
| Number of offices | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Large one-quarter moves
- Total assets changed by +144.3% in the quarter to 2021-12-31: Branch Purchased: acquired from International Bank of Commerce.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 25679
- Federal Reserve RSSD ID
- 230759
- Head office
- Brownsville, Texas
- Holding company
- INTERNATIONAL BANCSHARES CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1104231
- EconoMonitor ID
- EMB-US-000448
Frequently asked questions
What were International Bank of Commerce's total assets?
$4.6 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 301st among 497 banks reporting this metric (1 = highest).
Is International Bank of Commerce the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 25679). Its holding company, INTERNATIONAL BANCSHARES CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after International Bank of Commerce files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 25679, and in the Call Reports filed under RSSD ID 230759 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.