International Bank of Commerce: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 280.7% in Q2 2026, from $11.8M to $44.9M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, International Bank of Commerce is 28th from the bottom among 346 Texas banks, 31.24% (Q2 2026). International Bank of Commerce's loan-to-deposit ratio of 31.24% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 49.71 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.9M |
| Cash and noninterest-bearing balances to assets | 2.27% |
| Cash and securities | $393.5M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $44.9M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 31.24% |
| Net loans and leases to deposits | 30.72% |
| Loans and leases to core deposits | 37.28% |
| Core deposits to total deposits | 83.79% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 33.14% | 87.96% | $10.5M | $0 |
| Q4 2023 | 33.81% | 87.20% | $10.7M | $0 |
| Q1 2024 | 32.36% | 87.95% | $10.8M | $0 |
| Q2 2024 | 33.35% | 86.73% | $10.8M | $0 |
| Q3 2024 | 32.90% | 85.08% | $11.1M | $0 |
| Q4 2024 | 33.68% | 84.56% | $11.1M | $0 |
| Q1 2025 | 32.45% | 85.45% | $11.4M | $0 |
| Q2 2025 | 31.88% | 85.90% | $11.4M | $0 |
| Q3 2025 | 33.13% | 84.58% | $11.6M | $0 |
| Q4 2025 | 32.58% | 83.83% | $11.6M | $0 |
| Q1 2026 | 31.31% | 84.11% | $11.8M | $0 |
| Q2 2026 | 31.24% | 83.79% | $44.9M | $0 |
International Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedules RC and RC-M, 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)