International Bank of Commerce: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 23.04 percentage points in Q2 2026, from 150.84% to 127.80%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $652.3M |
| Net loans and leases | $641.0M |
| Loans held for sale | $0 |
| Loans to total assets | 40.00% |
| Loan-to-deposit ratio | 55.77% |
| Net loans to equity capital | 2.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.81% |
| Multifamily (5+ residential) | 4.48% |
| Commercial and industrial | 26.29% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.80% |
| Construction concentration (Tier 1 capital + allowance) | 54.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.37% |
| Interest income on loans | $11.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $564.8M | $1.16B | 44.50% | 33.60% | 0.27% |
| Q4 2023 | $565.1M | $1.13B | 43.45% | 33.90% | 0.25% |
| Q1 2024 | $616.3M | $1.13B | 39.05% | 34.16% | 0.23% |
| Q2 2024 | $623.5M | $1.13B | 39.00% | 33.39% | 0.23% |
| Q3 2024 | $617.5M | $1.14B | 39.39% | 30.89% | 0.23% |
| Q4 2024 | $618.0M | $1.14B | 42.13% | 31.40% | 0.21% |
| Q1 2025 | $644.3M | $1.18B | 43.97% | 30.27% | 0.24% |
| Q2 2025 | $673.0M | $1.15B | 42.88% | 30.35% | 0.20% |
| Q3 2025 | $684.0M | $1.15B | 46.53% | 28.77% | 0.16% |
| Q4 2025 | $684.3M | $1.12B | 46.76% | 26.29% | 0.15% |
| Q1 2026 | $645.6M | $1.17B | 47.13% | 22.57% | 0.17% |
| Q2 2026 | $652.3M | $1.17B | 43.81% | 26.29% | 0.15% |
International Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock International Bank of Commerce, freeSource: Call Report Schedule RC-C, 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)