International Bank of Commerce (Oklahoma City, OK): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 0.66% from 3.31% in the prior period. International Bank of Commerce is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, International Bank of Commerce reported $1.6B in total assets against $1.2B in deposits. The bank posts a strong 1.38% ROA and 9.21% ROE. Regulatory capital is solid, 21.92% CET1 and 22.91% total risk-based capital ratio. Asset quality is solid, 0.66% nonperforming loans and a 2.17% Texas Ratio. International Bank of Commerce operates a 41-branch network.
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%, a Texas ratio of 2.17%, per financial data filed with the FFIEC.
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
- Offices
- 41 domestic
- Employees (FTE)
- 235
- Domestic deposits
- $1.17B
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- $842K
- 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 |
|---|---|---|
| Nixon Dennis E | CEO | CEO |
| Wawroski Judith I | TREAS | TREASURER/PAO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.92% | 1.38% | 0.66% | 2.17% | 3.68% |
| Q1 2026 | 21.53% | 1.26% | 3.31% | 9.97% | 3.52% |
| Q4 2025 | 20.69% | 1.61% | 0.09% | 0.57% | 3.79% |
| Q3 2025 | 19.59% | 1.36% | 0.16% | 2.33% | 3.85% |
| Q2 2025 | 19.09% | 1.37% | 0.13% | 2.83% | 3.62% |
| Q1 2025 | 18.84% | 1.17% | 1.41% | 7.12% | 3.51% |
| Q4 2024 | 20.57% | 1.57% | 1.48% | 6.87% | 3.64% |
| Q3 2024 | 20.07% | 1.24% | 1.79% | 7.78% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 41 branches →
| 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
What the public regulatory sources show for International Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in OK, rank 24 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is International Bank of Commerce headquartered?
International Bank of Commerce is headquartered in Oklahoma City, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was International Bank of Commerce founded?
International Bank of Commerce was established in 2017, per the FDIC institution directory.
Is International Bank of Commerce FDIC-insured?
Yes. International Bank of Commerce 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is International Bank of Commerce's CET1 capital ratio?
International Bank of Commerce 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?
International Bank of Commerce 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?
International Bank of Commerce's Texas Ratio is 2.17% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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