International Bank of Commerce: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
International Bank of Commerce reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $258.6M in Q3 2026, down 49.4% from $510.8M in Q3 2025. That is 2.6% of its total assets. Across the 12 quarters shown it ranged from $160.4M (Q2 2024) to $826.5M (Q1 2024).
The standout move of Q3 2026 was in Loans and leases to core deposits: 5.81 percentage points lower than in Q2 2026, at 116.99%. On loan-to-deposit ratio, International Bank of Commerce ranks 6th highest among the 345 banks headquartered in Texas, at 104.08% (Q3 2026). International Bank of Commerce reported 104.08% on loan-to-deposit ratio for Q3 2026, 15.94 points above the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Largest change in this table: cash and balances due from depository institutions, down 38.0% to $258.6M in Q3 2026 after $416.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $258.6M |
| Cash and noninterest-bearing balances to assets | 2.64% |
| Cash and securities | $1.95B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Fed funds purchased and repos changed the most here, down 37.3% to $867.9M in Q3 2026 from $1.39B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $867.9M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.08% |
| Net loans and leases to deposits | 102.41% |
| Loans and leases to core deposits | 116.99% |
| Core deposits to total deposits | 88.96% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 91.86% | 91.33% | $1.01B | $0 |
| Q1 2024 | 89.87% | 91.29% | $1.10B | $0 |
| Q2 2024 | 92.79% | 90.75% | $609.1M | $0 |
| Q3 2024 | 97.64% | 90.13% | $1.31B | $0 |
| Q4 2024 | 100.67% | 89.39% | $1.04B | $0 |
| Q1 2025 | 99.33% | 89.45% | $1.10B | $0 |
| Q2 2025 | 99.66% | 88.97% | $1.23B | $0 |
| Q3 2025 | 103.61% | 88.51% | $1.30B | $0 |
| Q4 2025 | 104.84% | 88.28% | $1.12B | $0 |
| Q1 2026 | 108.01% | 88.28% | $1.22B | $0 |
| Q2 2026 | 109.03% | 88.79% | $1.39B | $0 |
| Q3 2026 | 104.08% | 88.96% | $867.9M | $0 |
International Bank of Commerce liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)