BlastPoint's Banking Scorecard
International Bank of Commerce
Designations: ✓ Minority Depository Institution
Zapata, TX
9 branches across TX
International Bank of Commerce has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 7.8% in tier
- + ROA 0.52% above tier average
- + Efficiency Ratio 12.18% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 9.9% in tier
- - Liquidity Overhang: Bottom 49.4% in tier
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$527.5M
+7.1% YoY
+2.9% QoQ
|
+$141.4M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$139.0M
+2.7% YoY
-1.0% QoQ
|
-$116.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$451.2M
+6.4% YoY
+3.0% QoQ
|
+$123.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.79%
+13.5% YoY
+7.7% QoQ
|
+0.52% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
3.39%
+4.4% YoY
+0.5% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
53.11%
-7.2% YoY
-2.9% QoQ
|
-12.18% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.17%
+7.6% YoY
-70.2% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
30.80%
-3.5% YoY
-3.8% QoQ
|
-45.84% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.65%
-4.8% YoY
+0.9% QoQ
|
+12.63% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 10.4% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-33.5% YoY
-59.3% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
33.14%
+0.9% YoY
+1.6% QoQ
|
+17.31% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.8% in tier |
| Non-Interest Income / Assets ? |
0.45%
-0.3% YoY
-75.4% QoQ
|
+0.17% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 3.9% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.