International Bank of Commerce: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial and industrial: 1.98 percentage points higher than in Q1 2026, at 19.88%. International Bank of Commerce has the 28th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 31.24% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, International Bank of Commerce reported 31.24% on loan-to-deposit ratio in Q2 2026, 49.60 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.8M |
| Net loans and leases | $140.4M |
| Loans held for sale | $0 |
| Loans to total assets | 25.14% |
| Loan-to-deposit ratio | 31.24% |
| Net loans to equity capital | 2.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.89% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 19.88% |
| Consumer | 6.35% |
| Credit cards | 0.00% |
| Farm | 11.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.93% |
| Construction concentration (Tier 1 capital + allowance) | 23.46% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.86% |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $135.2M | $407.9M | 15.21% | 11.65% | 5.72% |
| Q4 2023 | $137.4M | $406.5M | 15.03% | 12.46% | 5.69% |
| Q1 2024 | $136.0M | $420.4M | 15.23% | 12.80% | 5.79% |
| Q2 2024 | $138.1M | $414.1M | 15.09% | 12.58% | 5.85% |
| Q3 2024 | $136.3M | $414.4M | 17.71% | 11.96% | 5.78% |
| Q4 2024 | $136.4M | $404.9M | 18.49% | 12.41% | 5.84% |
| Q1 2025 | $137.6M | $424.0M | 18.52% | 12.40% | 5.78% |
| Q2 2025 | $136.5M | $428.3M | 19.55% | 12.16% | 6.09% |
| Q3 2025 | $143.2M | $432.3M | 18.53% | 17.43% | 5.94% |
| Q4 2025 | $142.7M | $438.1M | 17.63% | 17.69% | 6.11% |
| Q1 2026 | $141.3M | $451.2M | 18.15% | 17.90% | 6.26% |
| Q2 2026 | $142.8M | $457.0M | 17.89% | 19.88% | 6.35% |
International Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedule RC-C, 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)