International Bank of Commerce: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense rose 3.5% in Q2 2026 to $1.6M, the biggest move on this page. International Bank of Commerce ranks 273rd of 345 Texas banks on net interest margin, in the lower half at 3.39% (Q2 2026). International Bank of Commerce reported 3.39% on net interest margin for Q2 2026, 0.56 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.66% |
| Yield on loans | 7.86% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.29% | 0.90% | 3.20% | 7.94% | 2.55% |
| Q4 2023 | 4.36% | 1.12% | 3.00% | 8.02% | 2.61% |
| Q1 2024 | 4.46% | 1.18% | 3.01% | 8.16% | 2.75% |
| Q2 2024 | 4.53% | 1.20% | 3.06% | 8.16% | 2.92% |
| Q3 2024 | 4.66% | 1.30% | 3.08% | 8.36% | 3.04% |
| Q4 2024 | 4.53% | 1.31% | 2.96% | 7.93% | 3.03% |
| Q1 2025 | 4.53% | 1.28% | 3.00% | 7.81% | 3.14% |
| Q2 2025 | 4.58% | 1.17% | 3.17% | 7.85% | 3.19% |
| Q3 2025 | 4.72% | 1.20% | 3.29% | 8.09% | 3.20% |
| Q4 2025 | 4.61% | 1.17% | 3.21% | 7.85% | 3.14% |
| Q1 2026 | 4.54% | 1.08% | 3.25% | 7.74% | 3.20% |
| Q2 2026 | 4.66% | 1.07% | 3.39% | 7.86% | 3.46% |
International Bank of Commerce yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedules RI and RC-K, 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)