International Bank of Commerce: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks International Bank of Commerce of Laredo, TX against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 2.71% | 1.32% | +1.39% | 97th best quarter |
| ROAE | 13.88% | 12.84% | +1.04% | 58th better half |
| Net Interest Margin | 4.70% | 3.80% | +0.90% | 89th best quarter |
| Efficiency Ratio | 37.02% | 57.50% | -20.48% | 5th best quarter |
| PPNR / Avg Assets | 3.43% | 1.78% | +1.65% | 97th best quarter |
| Yield on Earning Assets | 6.19% | 5.62% | +0.57% | 79th |
| Cost of Funds | 1.53% | 2.05% | -0.52% | 20th best quarter |
| Net Interest Spread | 3.49% | 3.16% | +0.33% | 71st better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 2.28% | 0.54% | +1.74% | 93rd worst quarter |
| NPA / Total Assets | 1.65% | 0.43% | +1.22% | 91st worst quarter |
| NCO / Avg Loans | 0.05% | 0.03% | +0.02% | 56th worse half |
| ACL / Total Loans | 1.60% | 1.14% | +0.46% | 89th |
| ACL / NPLs (Coverage) | 69.99% | 206.61% | -136.62% | 13th worst quarter |
| Texas Ratio | 8.36% | 3.89% | +4.47% | 77th worst quarter |
| Provision / NCO | 37.08% | 145.20% | -108.12% | 19th |
| CRE / Total Capital | 216.10% | 224.99% | -8.89% | 47th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 21.58% | 13.63% | +7.95% | 92nd best quarter |
| Tier 1 Ratio | 21.58% | 13.64% | +7.94% | 92nd best quarter |
| Total Capital Ratio | 22.83% | 14.75% | +8.08% | 92nd best quarter |
| Leverage Ratio | 18.91% | 10.57% | +8.34% | 97th best quarter |
| Equity / Assets | 20.88% | 10.20% | +10.68% | 98th best quarter |
| TCE / Tangible Assets | 19.02% | 9.58% | +9.44% | 97th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 104.08% | 88.09% | +15.99% | 90th |
| Core Deposit Ratio | 88.96% | 89.11% | -0.15% | 49th worse half |
| Uninsured Deposit Ratio | 41.43% | 31.09% | +10.34% | 76th worst quarter |
| Borrowings / Total Assets | 8.85% | 4.05% | +4.80% | 80th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.44% | 4.80% | -5.24% | 15th |
| Loan Growth (Y/Y) | 3.69% | 6.01% | -2.32% | 34th |
| Deposit Growth (Y/Y) | 3.22% | 4.64% | -1.42% | 39th |
See International Bank of Commerce's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full International Bank of Commerce profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the International Bank of Commerce peer analysis.