International Bank of Commerce: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
International Bank of Commerce reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 21.58% in Q3 2026, up 1.28 percentage points from 20.30% in Q3 2025. Across the 12 quarters shown it ranged from 18.54% (Q4 2023) to 21.58% (Q3 2026).
The largest change between Q2 2026 and Q3 2026 was in Equity capital to total assets, which rose 0.61 percentage points to 20.88%. Within Texas, International Bank of Commerce is 51st of 183 on CET1 ratio, 21.58% as of Q3 2026. Against a median of 13.60% for banks in the $1B-10B asset tier, International Bank of Commerce reported 21.58% on CET1 ratio in Q3 2026, 7.98 points higher.
Risk-based capital ratios
Total risk-based capital ratio moved most in this table, up 0.47 points: 22.36% in Q2 2026, 22.83% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.58% |
| Tier 1 risk-based capital ratio | 21.58% |
| Total risk-based capital ratio | 22.83% |
| Tier 1 leverage ratio | 18.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Risk-weighted assets changed the most here, down 1.1% to $9.03B in Q3 2026 from $9.13B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $1.95B |
| Tier 1 capital | $1.95B |
| Total risk-based capital | $2.06B |
| Total equity capital | $2.05B |
| Risk-weighted assets | $9.03B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 20.88% |
| Tangible equity to tangible assets | 19.02% |
| Equity capital to average assets | 19.42% |
| Internal capital growth rate | 4.14% |
Capital structure
Largest change in this table: retained earnings, up 1.3% to $1.68B in Q3 2026 after $1.66B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $7.0M |
| Common stock surplus | $499.6M |
| Retained earnings | $1.68B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$142.5M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 18.54% | 18.54% | 19.79% | 16.40% | $7.79B |
| Q1 2024 | 18.82% | 18.82% | 20.08% | 16.55% | $7.79B |
| Q2 2024 | 19.11% | 19.11% | 20.37% | 16.89% | $7.99B |
| Q3 2024 | 18.84% | 18.84% | 20.09% | 17.14% | $8.28B |
| Q4 2024 | 19.46% | 19.46% | 20.71% | 17.67% | $8.42B |
| Q1 2025 | 19.46% | 19.46% | 20.71% | 17.84% | $8.48B |
| Q2 2025 | 20.13% | 20.13% | 21.38% | 17.95% | $8.42B |
| Q3 2025 | 20.30% | 20.30% | 21.55% | 18.16% | $8.62B |
| Q4 2025 | 20.87% | 20.87% | 22.12% | 18.58% | $8.74B |
| Q1 2026 | 21.12% | 21.12% | 22.37% | 19.12% | $8.95B |
| Q2 2026 | 21.11% | 21.11% | 22.36% | 19.02% | $9.13B |
| Q3 2026 | 21.58% | 21.58% | 22.83% | 18.91% | $9.03B |
International Bank of Commerce capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full International Bank of Commerce profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 19629) · FFIEC NIC profile (RSSD 1001152)