International Bank of Commerce: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 46.0% in Q2 2026, from $59.4M to $32.1M. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, International Bank of Commerce is 142nd of 169 on loan-to-deposit ratio, 55.77% as of Q2 2026, below the middle of the field. International Bank of Commerce reported 55.77% on loan-to-deposit ratio for Q2 2026, 32.44 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $58.5M |
| Cash and noninterest-bearing balances to assets | 1.62% |
| Cash and securities | $689.9M |
| Fed funds sold and reverse repos | $32.1M |
| Fed funds sold and reverse repos to assets | 1.97% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $190.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.77% |
| Net loans and leases to deposits | 54.80% |
| Loans and leases to core deposits | 57.69% |
| Core deposits to total deposits | 96.67% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 48.60% | 98.09% | $148.1M | $0 |
| Q4 2023 | 50.18% | 97.74% | $179.6M | $0 |
| Q1 2024 | 54.46% | 97.48% | $180.3M | $0 |
| Q2 2024 | 55.31% | 97.39% | $178.1M | $0 |
| Q3 2024 | 54.20% | 96.94% | $232.2M | $0 |
| Q4 2024 | 54.15% | 96.69% | $203.4M | $0 |
| Q1 2025 | 54.77% | 96.80% | $211.9M | $20.0M |
| Q2 2025 | 58.38% | 96.86% | $208.8M | $50.0M |
| Q3 2025 | 59.66% | 96.88% | $227.5M | $0 |
| Q4 2025 | 61.12% | 96.52% | $234.0M | $0 |
| Q1 2026 | 55.38% | 96.50% | $180.7M | $0 |
| Q2 2026 | 55.77% | 96.67% | $190.0M | $0 |
International Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedules RC and RC-M, 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)