International Bank of Commerce (Oklahoma City, OK)
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Data as of · sourced from FFIEC call reports. How we update
International Bank of Commerce is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 2017 (FDIC certificate 59093), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.63B, down 1.5% from Q2 2025, the 15th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 21.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59093
- Headquarters
- Oklahoma City, OK
- Established
- 2017
- Total assets, Q2 2026
- $1.63B
- Assets vs Q2 2025
- -1.5%
- CET1 ratio, Q2 2026
- 21.92%
- Domestic offices
- 41 FDIC institution directory, current count
- Routing number
- 303072793
- Latest call report
- Q2 2026, FFIEC 041 · International Bank of Commerce call report
- Holding company
- INTERNATIONAL BANCSHARES CORPORATION
- Asset rank in state
- 15th of 169 in Oklahoma
Problem loans are rising at International Bank of Commerce. Based in Oklahoma City, Oklahoma, it had $1.6 billion in assets at June 30, 2026, down 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.66% of loans from 0.10% a year earlier. It pays an average of 1.04% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 21.92% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Delinquency has appeared in its $163 million non-owner-occupied commercial real estate book: 4.64% of those loans are past due or on nonaccrual, against almost none a year earlier. Unrealized losses on its securities total $55 million, equal to 22% of Tier 1 capital, against 26% a year earlier. Profitability lags: it returns 9.2% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, International Bank of Commerce reported a CET1 capital ratio of 21.92%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 2.15%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, International Bank of Commerce is the 15th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $1.63B, loans rose 1.0% and deposits rose 0.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 26.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.0%. The FDIC Summary of Deposits lists 41 offices for it, in 27 cities across 2 states; its Oklahoma City 7 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, International Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3817 N West Expy, Oklahoma City, OK 73112
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 2017
- Domestic offices
- 41 FDIC institution directory, current count
- Employees (FTE)
- 235
- Domestic deposits
- $1.17B
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- $842K
- Average total assets
- $1.68B
- Average total loans
- $633.9M
- Average interest-bearing deposits
- $1.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 2017
- FDIC Cert
- 59093
- Fed RSSD
- 5050028
- SEC CIK
- 315709 → filed by INTERNATIONAL BANCSHARES CORPORATION
- Website
- www.ibc.com →
- Parent Holding Company
- INTERNATIONAL BANCSHARES CORPORATION (RSSD 1104231) · IBOC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dennis E Nixon | CEO | CEO |
| Judith I Wawroski | TREAS | TREASURER/PAO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, International Bank of Commerce's total assets ranged from $1.54B (Q4 2023) to $1.66B (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.63B total assets against $1.66B; $1.38B total liabilities against $1.43B.
$641.0M net loans and leases against $661.5M; $1.17B total deposits against $1.15B.
$631.3M securities against $636.3M; $58.5M cash and balances due against $40.3M.
$17.2M total interest income against $18.3M; $4.5M total interest expense against $5.7M.
$12.6M net interest income against $12.6M.
$4.3M total noninterest income against $4.1M; $9.4M total noninterest expense against $9.2M.
$319K provision for credit losses against $54K.
$5.8M net income against $5.8M.
1.38% return on assets against 1.37%; 3.68% net interest margin against 3.62%.
21.92% CET1 capital ratio against 19.09%; 15.53% tier 1 leverage ratio against 13.84%.
Inside the full International Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeInternational Bank of Commerce rankings
Its closest position to the top of a national ranking is 256 of 2,134, for CET1 ratio; its furthest is 725 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q1 2025) to 1.61% (Q4 2025) and its net interest margin ran from 3.51% (Q1 2025) to 3.85% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.92% | 1.38% | 0.66% | 2.15% | 3.68% |
| Q1 2026 | 21.53% | 1.26% | 3.31% | 9.94% | 3.52% |
| Q4 2025 | 20.69% | 1.61% | 0.10% | 0.54% | 3.79% |
| Q3 2025 | 19.59% | 1.36% | 0.13% | 2.23% | 3.85% |
| Q2 2025 | 19.09% | 1.37% | 0.10% | 2.72% | 3.62% |
| Q1 2025 | 18.84% | 1.17% | 1.38% | 7.02% | 3.51% |
| Q4 2024 | 20.57% | 1.57% | 1.45% | 6.77% | 3.64% |
| Q3 2024 | 20.07% | 1.24% | 1.76% | 7.67% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 41 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| International Bank of Commerce (main office) | Oklahoma City , OK | 73112 | $241.0M |
| Lewis Branch | Tulsa , OK | 74136 | $162.1M |
| Lawton Gore - Downtown Branch | Lawton , OK | 73501 | $48.7M |
| Lawton Financial Center Branch | Lawton , OK | 73505 | $40.6M |
| Edmond - Bryant Branch | Edmond , OK | 73013 | $37.4M |
| Dallas Uptown Branch | Dallas , TX | 75219 | $36.4M |
| Sand Springs South Branch | Sand Springs , OK | 74063 | $35.2M |
| Bethany Branch | Bethany , OK | 73008 | $29.8M |
| Claremore Branch | Claremore , OK | 74017 | $28.6M |
| Crown Heights Branch | Oklahoma City , OK | 73118 | $27.9M |
| Norman Branch | Norman , OK | 73069 | $25.8M |
| Midwest City Douglas Branch | Midwest City , OK | 73130 | $23.9M |
| Memorial Branch | Tulsa , OK | 74133 | $23.7M |
| Guthrie Branch | Guthrie , OK | 73044 | $22.2M |
| Duncan Highway 81 Branch | Duncan , OK | 73533 | $21.6M |
| Lindsay Branch | Lindsay , OK | 73052 | $20.8M |
| Chickasha Branch | Chickasha , OK | 73018 | $19.4M |
| Miami Branch | Miami , OK | 74354 | $18.8M |
| Yale Branch | Tulsa , OK | 74112 | $18.6M |
| Moore Branch | Moore , OK | 73160 | $18.4M |
| Bailey Ranch Branch | Owasso , OK | 74055 | $18.1M |
| Chatenay Square Branch | Oklahoma City , OK | 73170 | $18.1M |
| Purcell Branch | Purcell , OK | 73080 | $17.7M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $17.7M |
| Chandler Branch | Chandler , OK | 74834 | $16.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in OK, rank 24 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 12 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2022-Q1 to 2022-Q4. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about International Bank of Commerce
What are International Bank of Commerce's total assets?
As of the Q2 2026 filing, International Bank of Commerce reported total assets of $1.63 billion in its FFIEC call report.
Where is International Bank of Commerce headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was International Bank of Commerce founded?
It was established in 2017, per the FDIC institution directory.
Is International Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates International Bank of Commerce?
International Bank of Commerce's primary federal regulator is the FDIC.
What is International Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does International Bank of Commerce operate?
It operates 41 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is International Bank of Commerce's Texas Ratio?
Its Texas Ratio is 2.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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