International Bank of Commerce: Income and Expense
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Data as of · Call Report Schedule RI How we update
International Bank of Commerce reported all 18 line items on this page on its Q3 2026 filing. Net income was $71.4M in Q3 2026, up 1.5% from $70.4M in Q3 2025.
Total interest expense rose 2.7% from Q2 2026 to Q3 2026, ending at $36.1M against $35.1M. It was the largest change among the key lines on this page. On return on assets, International Bank of Commerce ranks 19th highest among the 345 banks headquartered in Texas, at 2.71% (Q3 2026). International Bank of Commerce's return on assets of 2.71% is well above the 1.30% median for banks in the $1B-10B asset tier, a gap of 1.41 points (Q3 2026).
Net income
Largest change in this table: return on assets, down 0.04 points to 2.71% in Q3 2026 after 2.75% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $71.4M |
| Return on assets | 2.71% |
| Return on equity | 13.88% |
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Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $128.4M |
| Total interest expense | $36.1M |
| Interest expense on deposits | $22.7M |
| Net interest margin | 4.70% |
Noninterest income and expense
Total noninterest expense changed the most here, up 1.5% to $53.4M in Q3 2026 from $52.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $53.4M |
| Salaries and general administrative expense | $35.1M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $18.3M |
| Efficiency ratio | 37.02% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $6.9M |
| Revenue per employee | $408K |
| Full-time equivalent employees | 1,411 |
Credit costs and securities results
Provision expense to average assets changed the most here, down 0.02 points to 0.01% in Q3 2026 from 0.03% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $340K |
| Provision expense to average assets | 0.01% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $66.3M | 2.93% | 17.99% | 34.76% |
| Q1 2024 | $61.6M | 2.71% | 15.96% | 32.90% |
| Q2 2024 | $61.2M | 2.64% | 15.50% | 36.22% |
| Q3 2024 | $64.4M | 2.76% | 15.65% | 36.32% |
| Q4 2024 | $78.5M | 3.30% | 18.35% | 33.90% |
| Q1 2025 | $67.0M | 2.83% | 15.32% | 36.52% |
| Q2 2025 | $69.9M | 2.89% | 15.61% | 37.26% |
| Q3 2025 | $70.4M | 2.85% | 15.19% | 37.20% |
| Q4 2025 | $74.0M | 2.94% | 15.33% | 33.39% |
| Q1 2026 | $68.7M | 2.71% | 13.74% | 36.18% |
| Q2 2026 | $71.4M | 2.75% | 13.93% | 36.68% |
| Q3 2026 | $71.4M | 2.71% | 13.88% | 37.02% |
International Bank of Commerce income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)