International Bank of Commerce: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
International Bank of Commerce reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $7.03B in Q3 2026, up 3.7% from $6.78B in Q3 2025. That is 71.7% of its total assets. Across the 12 quarters shown it ranged from $5.78B (Q1 2024) to $7.22B (Q2 2026).
Loan-to-deposit ratio dropped 4.95 percentage points in Q3 2026, from 109.03% to 104.08%. It was the largest change from Q2 2026 among the key lines here. Among 345 Texas banks, International Bank of Commerce sits 6th from the top on loan-to-deposit ratio, 104.08% as of 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.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $7.03B |
| Net loans and leases | $6.92B |
| Loans held for sale | $1.0M |
| Loans to total assets | 71.73% |
| Loan-to-deposit ratio | 104.08% |
| Net loans to equity capital | 3.38× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Commercial real estate (nonfarm nonresidential) moved most in this table, down 1.65 points: 31.24% in Q2 2026, 29.59% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.59% |
| Multifamily (5+ residential) | 11.78% |
| Commercial and industrial | 18.03% |
| Consumer | 0.52% |
| Credit cards | 0.01% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) moved most in this table, down 2.95 points: 219.05% in Q2 2026, 216.10% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.10% |
| Construction concentration (Tier 1 capital + allowance) | 85.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.22% |
| Interest income on loans | $128.4M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $5.84B | $6.35B | 33.50% | 17.87% | 0.61% |
| Q1 2024 | $5.78B | $6.44B | 33.87% | 16.37% | 0.62% |
| Q2 2024 | $5.94B | $6.40B | 33.77% | 16.50% | 0.61% |
| Q3 2024 | $6.25B | $6.40B | 32.76% | 17.34% | 0.60% |
| Q4 2024 | $6.43B | $6.39B | 31.46% | 19.60% | 0.58% |
| Q1 2025 | $6.52B | $6.57B | 31.80% | 18.40% | 0.57% |
| Q2 2025 | $6.55B | $6.57B | 32.33% | 16.61% | 0.58% |
| Q3 2025 | $6.78B | $6.55B | 35.25% | 16.63% | 0.55% |
| Q4 2025 | $6.86B | $6.55B | 31.19% | 18.69% | 0.54% |
| Q1 2026 | $7.04B | $6.52B | 30.14% | 18.96% | 0.53% |
| Q2 2026 | $7.22B | $6.63B | 31.24% | 17.96% | 0.51% |
| Q3 2026 | $7.03B | $6.76B | 29.59% | 18.03% | 0.52% |
International Bank of Commerce loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)