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.
Total interest expense fell 4.4% from Q1 2026 to Q2 2026, ending at $4.5M against $4.7M. It was the largest change among the key lines on this page. Within Oklahoma, International Bank of Commerce is 131st of 169 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; International Bank of Commerce reported 3.68% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 7.37% |
| Yield on securities | 2.86% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 2.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $3.2M |
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 | 5.08% | 0.85% | 3.94% | 8.39% | 2.19% |
| Q4 2023 | 5.42% | 1.06% | 4.01% | 9.13% | 2.22% |
| Q1 2024 | 5.29% | 1.08% | 3.85% | 8.56% | 2.25% |
| Q2 2024 | 5.45% | 1.14% | 3.96% | 8.67% | 2.26% |
| Q3 2024 | 5.41% | 1.20% | 3.84% | 8.52% | 2.40% |
| Q4 2024 | 5.22% | 1.22% | 3.64% | 8.18% | 2.54% |
| Q1 2025 | 5.11% | 1.23% | 3.51% | 7.72% | 2.83% |
| Q2 2025 | 5.25% | 1.24% | 3.62% | 7.87% | 2.85% |
| Q3 2025 | 5.44% | 1.22% | 3.85% | 8.08% | 2.84% |
| Q4 2025 | 5.26% | 1.15% | 3.79% | 7.73% | 2.79% |
| Q1 2026 | 4.90% | 1.08% | 3.52% | 7.01% | 2.82% |
| Q2 2026 | 5.00% | 1.04% | 3.68% | 7.37% | 2.86% |
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 59093) · FFIEC NIC profile (RSSD 5050028)