BlastPoint

BlastPoint's Banking Scorecard

International Bank of Commerce

$100M-$1B Specialty: Mortgage TX FDIC cert 24961

Designations: ✓ Minority Depository Institution

Zapata, TX

9 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +6.7% year over year ($457.0M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 1.81%.
  • Efficiency ratio 51.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 30.72% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

International Bank of Commerce has 4 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 9.5% in tier
  • + Credit Quality Leader: Top 19.9% in tier
  • + ROA 0.49% above tier average
  • + Efficiency Ratio 13.14% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.55% below 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 ? $567.8M
+13.5% YoY +7.6% QoQ
+$181.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $140.4M
+4.6% YoY +1.0% QoQ
-$118.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $457.0M
+6.7% YoY +1.3% QoQ
+$130.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.81%
+18.3% YoY +1.4% QoQ
+0.49% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 3.44%
+3.7% YoY +1.2% QoQ
-0.55% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 51.34%
-9.4% YoY -3.3% QoQ
-13.14% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.07%
-35.7% YoY -58.7% QoQ
-0.85% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 30.72%
-1.9% YoY -0.3% QoQ
-47.23% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 1.9% in tier
Non-Interest-Bearing Deposit Share ? 34.01%
-4.6% YoY -1.8% QoQ
+11.98% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 10.7% in tier
Nonperforming Asset Ratio ? 0.04%
-62.9% YoY -49.0% QoQ
-0.63% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 32.79%
-2.7% YoY -1.1% QoQ
+16.88% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.1% in tier
Non-Interest Income / Assets ? 0.84%
-6.4% YoY +87.7% QoQ
+0.27% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 4.5% in tier

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 34.0%
-1.6pp YoY
-0.6pp QoQ
 +11.9pp 22.1% 29.2% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 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 20.2%
+7.8pp YoY
+2.0pp QoQ
 +8.7pp 11.6% 14.8% 12.5% 89%
CRE 31.7%
-0.7pp YoY
-0.3pp QoQ
 -7.8pp 39.5% 48.4% 41.4% 38%
1-4 Family 28.8%
-6.5pp YoY
-1.2pp QoQ
 -3.8pp 32.6% 25.8% 31.3% 48%
Consumer 6.5%
+0.3pp YoY
+0.1pp QoQ
 +2.3pp 4.1% 4.7% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 32.8%
-0.9pp YoY
-0.4pp QoQ
 +14.0pp 18.8% 22.7% 19.7% 95%
Leverage Ratio 13.6%
-0.4pp YoY
-0.1pp QoQ
 +1.4pp 12.2% 12.6% 12.6% 79%
Total Capital Ratio 33.8%
-1.0pp YoY
-0.4pp QoQ
 +13.9pp 19.9% 23.8% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 89
-2 (-2.2%) YoY
-4 (-4.3%) QoQ
 +30 58 186 482 82%
Assets per Employee ($) $6.4M
+16.0% YoY
+12.5% QoQ
 -$1.1M $7.5M $10.1M $8.8M 40%
Branch Count 9
0 YoY
0 QoQ
 +4 4 12 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 44%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 1%
Allowance Coverage 23.43x
+47.5% YoY
+146.7% QoQ
 -0.73x 24.15x 18.82x 20.23x 89%
Net Charge-off Rate (YTD) 0.3%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.8%
+1.9pp YoY
+0.5pp QoQ
 +3.6pp 12.2% 13.2% 11.6% 72%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 25%
Net Income ($, YTD) $4.9M
+30.2% YoY
— QoQ
 +$2.3M $2.6M $15.9M $40.4M 87%

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 (2)

Revenue Diversifier

growth
#64 of 661 • Top 9.5% 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: 0.84%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.81%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#132 of 659 • Top 19.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.07%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (10 metrics)

50
Loan-to-Deposit Ratio
liquidity
Value: 30.72%
Peer Median: 77.95%
#50 of 2643 Top 1.9% in $100M-$1B
84
Tier 1 Capital Ratio
capital
Value: 32.79%
Peer Median: 15.91%
#84 of 2643 Top 3.1% in $100M-$1B
120
Non-Interest Income / Assets
revenue_mix
Value: 0.84%
Peer Median: 0.57%
#120 of 2643 Top 4.5% in $100M-$1B
285
Non-Interest-Bearing Deposit Share
funding
Value: 34.01%
Peer Median: 22.03%
#285 of 2643 Top 10.7% in $100M-$1B
511
Return on Assets
profitability
Value: 1.81%
Peer Median: 1.32%
#511 of 2643 Top 19.3% in $100M-$1B
519
Efficiency Ratio
profitability
Value: 51.34%
Peer Median: 64.48%
#519 of 2643 Top 19.6% in $100M-$1B
536
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#536 of 2643 Top 20.2% in $100M-$1B
583
Total Assets
size
Value: $567.78M
Peer Median: $386.57M
#583 of 2643 Top 22.0% in $100M-$1B
611
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#611 of 2633 Top 23.2% in $100M-$1B
644
Total Deposits
size
Value: $457.01M
Peer Median: $326.73M
#644 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

1992
Net Interest Margin
profitability
Value: 3.44%
Peer Median: 3.99%
#1992 of 2643 Bottom 24.7% in $100M-$1B
Powered by BlastPoint © 2026