International Bank of Commerce: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 7.1% to -$17.0M. International Bank of Commerce ranks 24th of 184 Texas banks on CET1 ratio, in the upper half at 32.79% (Q2 2026). International Bank of Commerce's CET1 ratio of 32.79% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 17.72 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 32.79% |
| Tier 1 risk-based capital ratio | 32.79% |
| Total risk-based capital ratio | 33.83% |
| Tier 1 leverage ratio | 13.60% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $75.0M |
| Tier 1 capital | $75.0M |
| Total risk-based capital | $77.4M |
| Total equity capital | $62.8M |
| Risk-weighted assets | $228.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.06% |
| Tangible equity to tangible assets | 10.31% |
| Equity capital to average assets | 11.29% |
| Internal capital growth rate | 16.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $29.4M |
| Retained earnings | $49.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 36.75% | 36.75% | 37.99% | 15.87% | $209.8M |
| Q4 2023 | 31.18% | 31.18% | 32.43% | 13.26% | $205.6M |
| Q1 2024 | 31.86% | 31.86% | 33.03% | 13.67% | $207.5M |
| Q2 2024 | 32.46% | 32.46% | 33.68% | 13.80% | $209.3M |
| Q3 2024 | 31.16% | 31.16% | 32.37% | 13.22% | $208.4M |
| Q4 2024 | 32.74% | 32.74% | 33.89% | 13.44% | $204.4M |
| Q1 2025 | 32.83% | 32.83% | 33.92% | 13.74% | $209.7M |
| Q2 2025 | 33.71% | 33.71% | 34.85% | 13.98% | $209.6M |
| Q3 2025 | 31.50% | 31.50% | 32.63% | 13.24% | $215.4M |
| Q4 2025 | 32.63% | 32.63% | 33.75% | 13.43% | $215.0M |
| Q1 2026 | 33.14% | 33.14% | 34.20% | 13.71% | $218.7M |
| Q2 2026 | 32.79% | 32.79% | 33.83% | 13.60% | $228.8M |
International Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full International Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24961) · FFIEC NIC profile (RSSD 382069)