International Bank of Commerce: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
International Bank of Commerce reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
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 19th from the top on return on assets, 2.71% as of Q3 2026. Against a median of 1.30% for banks in the $1B-10B asset tier, International Bank of Commerce reported 2.71% on return on assets in Q3 2026, 1.41 points higher.
Capital adequacy
Equity capital to assets moved most in this table, up 0.61 points: 20.27% in Q2 2026, 20.88% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 21.58% |
| Tier 1 risk-based capital ratio | 21.58% |
| Total risk-based capital ratio | 22.83% |
| Tier 1 leverage ratio | 18.91% |
| Equity capital to assets | 20.88% |
| Tangible equity to tangible assets | 19.02% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: reserve coverage of nonperforming loans, down 0.75 points to 69.99% in Q3 2026 after 70.74% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 2.28% |
| Nonperforming assets ratio | 1.65% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 8.36% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of nonperforming loans | 69.99% |
Earnings
Return on assets moved most in this table, down 0.04 points: 2.75% in Q2 2026, 2.71% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.71% |
| Return on equity | 13.88% |
| Net interest margin | 4.70% |
| Efficiency ratio | 37.02% |
| Yield on earning assets | 6.19% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.08% |
| Core deposits to total deposits | 88.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 68.92% |
| Securities to assets | 17.22% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 18.54% | 18.54% | 19.79% | 16.40% | 2.93% |
| Q1 2024 | 18.82% | 18.82% | 20.08% | 16.55% | 2.71% |
| Q2 2024 | 19.11% | 19.11% | 20.37% | 16.89% | 2.64% |
| Q3 2024 | 18.84% | 18.84% | 20.09% | 17.14% | 2.76% |
| Q4 2024 | 19.46% | 19.46% | 20.71% | 17.67% | 3.30% |
| Q1 2025 | 19.46% | 19.46% | 20.71% | 17.84% | 2.83% |
| Q2 2025 | 20.13% | 20.13% | 21.38% | 17.95% | 2.89% |
| Q3 2025 | 20.30% | 20.30% | 21.55% | 18.16% | 2.85% |
| Q4 2025 | 20.87% | 20.87% | 22.12% | 18.58% | 2.94% |
| Q1 2026 | 21.12% | 21.12% | 22.37% | 19.12% | 2.71% |
| Q2 2026 | 21.11% | 21.11% | 22.36% | 19.02% | 2.75% |
| Q3 2026 | 21.58% | 21.58% | 22.83% | 18.91% | 2.71% |
International Bank of Commerce vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)