BlastPoint's Banking Scorecard

International Bank of Commerce

$10B-$250B Specialty: Commercial TX FDIC cert 19629

Designations: ✓ Minority Depository Institution

Laredo, TX

80 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
Deposits +0.9% year over year ($6.6B on the books).
Delinquency rate 2.24%.
Return on assets 2.82%.
Efficiency ratio 36.53% vs a 53.67% peer average.
Loan-to-deposit ratio 107.32% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 11 in TX

View $10B-$250B leaderboard (TX) →

International Bank of Commerce has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 0.1% in tier
+ Revenue Diversifier: Top 34.3% in tier
+ Profitability Leader: Top 34.3% in tier
+ Efficiency Ratio 17.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 4.5% in tier
- Delinquency Rate 1.23% above tier average
- Nonperforming Asset Ratio 0.85% above tier average

Get updates when International Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$10.2B +4.8% YoY +3.1% QoQ	-$33.4B	$43.6B -13.8% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 1.4% in tier
Total Loans ?	$7.1B +10.5% YoY +2.6% QoQ	-$20.9B	$28.0B -8.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 7.9% in tier
Total Deposits ?	$6.6B +0.9% YoY +1.7% QoQ	-$28.8B	$35.4B -14.0% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 1.4% in tier
Return on Assets ?	2.82% -2.2% YoY +0.6% QoQ	+1.43%	1.39% +25.9% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 3.6% in tier
Net Interest Margin ?	4.96% -2.1% YoY +0.3% QoQ	+1.04%	3.92% +8.9% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 10.1% in tier
Efficiency Ratio ?	36.53% -1.3% YoY +0.7% QoQ	-17.14%	53.67% -1.9% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 9.4% in tier
Delinquency Rate ?	2.24% +105.4% YoY +173.0% QoQ	+1.23%	1.01% -2.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 8.0% in tier
Loan-to-Deposit Ratio ?	107.32% +9.5% YoY +1.0% QoQ	+24.71%	82.61% +3.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 3.6% in tier
Non-Interest-Bearing Deposit Share ?	37.45% -6.8% YoY +1.5% QoQ	+16.87%	20.58% +4.9% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 0.7% in tier
Nonperforming Asset Ratio ?	1.58% +108.0% YoY +168.0% QoQ	+0.85%	0.73% +5.8% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 6.5% in tier
Tier 1 Capital Ratio ?	21.11% +4.9% YoY -0.1% QoQ	+5.76%	15.35% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 6.5% in tier
Non-Interest Income / Assets ?	0.58% -1.5% YoY +100.2% QoQ	+0.08%	0.50% +10.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	37.4% -2.7pp YoY +0.5pp QoQ	+16.4pp	21.0%	29.2%	22.2%	98%
Brokered Deposits	n/a	n/a	9.2%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	18.2% +1.3pp YoY -1.0pp QoQ	+1.1pp	17.2%	14.8%	12.5%	61%
CRE	67.7% -0.8pp YoY +1.2pp QoQ	+25.6pp	42.0%	48.4%	41.4%	94%
1-4 Family	13.1% -1.0pp YoY -0.4pp QoQ	-10.0pp	23.1%	25.8%	31.3%	24%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-12.4pp	12.9%	4.7%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	21.1% +1.0pp YoY 0.0pp QoQ	+5.8pp	15.3%	22.7%	19.7%	93%
Leverage Ratio	19.0% +1.1pp YoY -0.1pp QoQ	+8.6pp	10.4%	12.6%	12.6%	98%
Total Capital Ratio	22.4% +1.0pp YoY 0.0pp QoQ	+5.8pp	16.5%	23.8%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	1,404 +6 (+0.4%) YoY -6 (-0.4%) QoQ	-1,854	3,258	186	482	33%
Assets per Employee ($)	$7.3M +4.4% YoY +3.5% QoQ	-$19.8M	$27.0M	$10.1M	$8.8M	5%
Branch Count	80 -1 (-1.2%) YoY 0 QoQ	-58	137	12	18	48%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.3%	0.4%	72%
Nonaccrual	2.1% +1.1pp YoY +1.4pp QoQ	+1.4pp	0.7%	1.0%	1.0%	96%
Allowance Coverage	0.71x -54.9% YoY -64.2% QoQ	-2.10x	2.81x	18.82x	20.23x	11%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.2%	15%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.8% -1.6pp YoY +0.1pp QoQ	+1.2pp	12.6%	13.2%	11.6%	70%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.4pp	2.0%	1.6%	1.7%	27%
Net Income ($, YTD)	$140.1M +2.3% YoY — QoQ	-$156.7M	$296.8M	$15.9M	$40.4M	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth

#1 of 9 • Top 0.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.45%

(Tier: 20.58%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.96%

(Tier: 3.92%, National: 3.95%)

better than tier avg

9 of 9 Large banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#13 of 35 • Top 34.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.58%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 2.82%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#13 of 35 • Top 34.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.82%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#2 of 22 • Bottom 4.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.11%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 107.32%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 37.45%

Peer Median: 20.58%

#2 of 139 Top 0.7% in $10B-$250B

Return on Assets

profitability

Value: 2.82%

Peer Median: 1.39%

#6 of 139 Top 3.6% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 21.11%

Peer Median: 15.35%

#10 of 139 Top 6.5% in $10B-$250B

Efficiency Ratio

profitability

Value: 36.53%

Peer Median: 53.67%

#14 of 139 Top 9.4% in $10B-$250B

Net Interest Margin

profitability

Value: 4.96%

Peer Median: 3.92%

#15 of 139 Top 10.1% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.58%

Peer Median: 0.50%

#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (6 metrics)

138

Total Deposits

size

Value: $6.63B

Peer Median: $35.42B

#138 of 139 Bottom 1.4% in $10B-$250B

138

Total Assets

size

Value: $10.19B

Peer Median: $43.60B

#138 of 139 Bottom 1.4% in $10B-$250B

135

Loan-to-Deposit Ratio

liquidity

Value: 107.32%

Peer Median: 82.61%

#135 of 139 Bottom 3.6% in $10B-$250B

131

Nonperforming Asset Ratio

credit_quality

Value: 1.58%

Peer Median: 0.73%

#131 of 139 Bottom 6.5% in $10B-$250B

129

Total Loans

size

Value: $7.11B

Peer Median: $27.97B

#129 of 139 Bottom 7.9% in $10B-$250B

128

Delinquency Rate

credit_quality

Value: 2.24%

Peer Median: 1.01%

#128 of 138 Bottom 8.0% in $10B-$250B