International Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks International Bank of Commerce of Zapata, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.34% | +0.48% | 79th top |
| ROAE | 16.33% | 13.32% | +3.01% | 73rd above |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 49.68% | 61.14% | -11.46% | 81st top |
| PPNR / Avg Assets | 2.46% | 1.68% | +0.78% | 88th top |
| Yield on Earning Assets | 4.66% | 5.67% | -1.01% | 12th bottom |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 2.64% | 3.32% | -0.68% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 65th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | 0.31% | 0.16% | +0.15% | 9th bottom |
| ACL / Total Loans | 1.66% | 1.28% | +0.38% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 920.62% | 1546.50% | -625.88% | 81st top |
| Texas Ratio | 0.82% | 7.34% | -6.52% | 75th top |
| Provision / NCO | 82.24% | 1395.96% | -1313.72% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 32.79% | 19.47% | +13.32% | 94th top |
| Tier 1 Ratio | 32.79% | 19.51% | +13.28% | 94th top |
| Total Capital Ratio | 33.83% | 20.59% | +13.24% | 94th top |
| Leverage Ratio | 13.60% | 12.14% | +1.46% | 79th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.36% | -0.30% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.31% | 11.08% | -0.77% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 31.24% | 80.69% | -49.45% | 98th top |
| Core Deposit Ratio | 83.79% | 86.85% | -3.06% | 26th below |
| Wholesale Funding Ratio | 7.91% | 5.03% | +2.88% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.50% | 6.84% | +6.66% | 90th top |
| Loan Growth (Y/Y) | 4.55% | 7.92% | -3.37% | 45th below |
| Deposit Growth (Y/Y) | 6.70% | 6.29% | +0.41% | 69th above |
See International Bank of Commerce's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock International Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full International Bank of Commerce profile, how to read a UBPR, or how this data updates.