BlastPoint's Banking Scorecard
International Bank of Commerce
Designations: ✓ Minority Depository Institution
Laredo, TX
81 branches across TX
International Bank of Commerce has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 16.3% in tier
- + Revenue Diversifier: Top 26.2% in tier
- + Profitability Leader: Top 45.2% in tier
- + Efficiency Ratio 24.78% below tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4.6% in tier
- - Liquidity Overhang: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.9B
+3.7% YoY
+1.4% QoQ
|
+$7.1B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 0.5% in tier |
| Total Loans ? |
$6.9B
+8.0% YoY
+2.7% QoQ
|
+$5.0B |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Top 1.2% in tier |
| Total Deposits ? |
$6.5B
-0.7% YoY
-0.4% QoQ
|
+$4.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 4.9% in tier |
| Return on Assets ? |
2.80%
-1.9% YoY
-4.2% QoQ
|
+1.43% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 2.8% in tier |
| Net Interest Margin ? |
4.95%
-2.2% YoY
-3.3% QoQ
|
+1.13% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.9% in tier |
| Efficiency Ratio ? |
36.28%
-1.0% YoY
+0.3% QoQ
|
-24.78% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 4.8% in tier |
| Delinquency Rate ? |
0.82%
-23.8% YoY
+2.0% QoQ
|
-0.07% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
106.29%
+8.8% YoY
+3.1% QoQ
|
+22.08% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.90%
-9.1% YoY
-3.9% QoQ
|
+15.61% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.59%
-26.1% YoY
+2.4% QoQ
|
-0.08% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
21.12%
+8.5% YoY
+1.2% QoQ
|
+5.96% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 6.4% in tier |
| Non-Interest Income / Assets ? |
0.29%
+1.4% YoY
-76.1% QoQ
|
+0.03% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 14.5% in tier |
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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 (3)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.