International Bank of Commerce: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
International Bank of Commerce reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 6.19% in Q3 2026, down 0.41 percentage points from 6.60% in Q3 2025. Across the 12 quarters shown it ranged from 6.16% (Q1 2026) to 6.93% (Q3 2024).
Compared with Q2 2026, Total interest expense rose 2.7% in Q3 2026 to $36.1M, the biggest move on this page. Within Texas, International Bank of Commerce is 91st of 344 on net interest margin, 4.70% as of Q3 2026. The median for banks in the $1B-10B asset tier is 3.79% on net interest margin. International Bank of Commerce sits 0.91 points higher, at 4.70% (Q3 2026).
Asset yields
Yield on securities changed the most here, up 0.04 points to 3.25% in Q3 2026 from 3.21% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 7.22% |
| Yield on securities | 3.25% |
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Funding costs
Cost of interest-bearing liabilities moved most in this table, up 0.11 points: 2.59% in Q2 2026, 2.70% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 3.59% |
Spread and margin
Yield to cost spread changed the most here, down 0.14 points to 3.49% in Q3 2026 from 3.63% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 3.49% |
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 |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 6.76% | 1.45% | 5.20% | 8.32% | 2.71% |
| Q1 2024 | 6.81% | 1.53% | 5.19% | 8.31% | 2.78% |
| Q2 2024 | 6.74% | 1.64% | 5.01% | 8.20% | 2.83% |
| Q3 2024 | 6.93% | 1.72% | 5.16% | 8.40% | 2.97% |
| Q4 2024 | 6.66% | 1.67% | 4.96% | 7.94% | 2.94% |
| Q1 2025 | 6.52% | 1.58% | 4.91% | 7.66% | 3.01% |
| Q2 2025 | 6.55% | 1.58% | 4.95% | 7.74% | 3.08% |
| Q3 2025 | 6.60% | 1.64% | 4.95% | 7.79% | 3.16% |
| Q4 2025 | 6.52% | 1.58% | 4.96% | 7.72% | 3.17% |
| Q1 2026 | 6.16% | 1.48% | 4.70% | 7.16% | 3.18% |
| Q2 2026 | 6.22% | 1.51% | 4.74% | 7.22% | 3.21% |
| Q3 2026 | 6.19% | 1.53% | 4.70% | 7.22% | 3.25% |
International Bank of Commerce yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)