International Bank of Commerce: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 6.1% in Q2 2026 to $100.9M, the biggest move on this page. International Bank of Commerce ranks 9th of 71 Oklahoma banks on CET1 ratio, in the upper half at 21.92% (Q2 2026). Against a median of 13.48% for banks in the $1B-10B asset tier, International Bank of Commerce reported 21.92% on CET1 ratio in Q2 2026, 8.44 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.92% |
| Tier 1 risk-based capital ratio | 21.92% |
| Total risk-based capital ratio | 22.91% |
| Tier 1 leverage ratio | 15.53% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $254.5M |
| Tier 1 capital | $254.5M |
| Total risk-based capital | $266.0M |
| Total equity capital | $253.6M |
| Risk-weighted assets | $1.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.55% |
| Tangible equity to tangible assets | 13.44% |
| Equity capital to average assets | 15.11% |
| Internal capital growth rate | 9.30% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $191.4M |
| Retained earnings | $100.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$40.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.40% | 22.40% | 23.36% | 15.69% | $1.12B |
| Q4 2023 | 20.72% | 20.72% | 21.97% | 14.72% | $1.12B |
| Q1 2024 | 20.58% | 20.58% | 21.83% | 15.40% | $1.17B |
| Q2 2024 | 21.64% | 21.64% | 22.89% | 15.57% | $1.15B |
| Q3 2024 | 20.07% | 20.07% | 21.33% | 14.59% | $1.16B |
| Q4 2024 | 20.57% | 20.57% | 21.82% | 14.47% | $1.17B |
| Q1 2025 | 18.84% | 18.84% | 20.10% | 13.57% | $1.19B |
| Q2 2025 | 19.09% | 19.09% | 20.09% | 13.84% | $1.21B |
| Q3 2025 | 19.59% | 19.59% | 20.55% | 14.33% | $1.21B |
| Q4 2025 | 20.69% | 20.69% | 21.66% | 14.68% | $1.18B |
| Q1 2026 | 21.53% | 21.53% | 22.51% | 15.13% | $1.16B |
| Q2 2026 | 21.92% | 21.92% | 22.91% | 15.53% | $1.16B |
International Bank of Commerce regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedule RC-R, 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 59093) · FFIEC NIC profile (RSSD 5050028)