BlastPoint's Banking Scorecard

International Bank of Commerce

$1B-$10B Specialty: Commercial TX FDIC cert 25679

Designations: ✓ Minority Depository Institution

Brownsville, TX

41 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +4.1% year over year ($3.9B on the books).
Delinquency rate 9.41%.
Return on assets 1.73%.
Efficiency ratio 38.52% vs a 59.73% peer average.
Loan-to-deposit ratio 39.20% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

International Bank of Commerce has 3 strengths but faces 4 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

+ Efficiency Ratio 21.21% below tier average
+ Non-Interest-Bearing Deposit Share 12.88% above tier average
+ ROA 0.34% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 36.5% in tier
- Delinquency Rate 8.54% above tier average
- Nonperforming Asset Ratio 2.85% above tier average
- Net Interest Margin 0.50% 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 ?	$4.6B +5.4% YoY +0.9% QoQ	+$1.8B	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$1.5B +1.9% YoY +0.4% QoQ	-$427.1M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$3.9B +4.1% YoY +0.9% QoQ	+$1.6B	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.73% -19.5% YoY -16.3% QoQ	+0.34%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	3.37% -5.0% YoY +0.1% QoQ	-0.50%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	38.52% +9.0% YoY +5.4% QoQ	-21.21%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 6.0% in tier
Delinquency Rate ?	9.41% +49.7% YoY +51.3% QoQ	+8.54%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 0.2% in tier
Loan-to-Deposit Ratio ?	39.20% -2.1% YoY -0.4% QoQ	-45.84%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 2.5% in tier
Non-Interest-Bearing Deposit Share ?	34.15% -6.8% YoY -2.6% QoQ	+12.88%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 9.6% in tier
Nonperforming Asset Ratio ?	3.53% +36.3% YoY +42.4% QoQ	+2.85%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 1.4% in tier
Tier 1 Capital Ratio ?	28.73% +6.6% YoY -0.2% QoQ	+13.88%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.5% in tier
Non-Interest Income / Assets ?	0.56% -0.8% YoY +99.9% QoQ	+0.03%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	84%

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	34.2% -2.5pp YoY -0.9pp QoQ	+12.8pp	21.4%	29.2%	22.2%	90%
Brokered Deposits	n/a	n/a	9.5%	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	26.3% -1.8pp YoY -0.6pp QoQ	+12.3pp	14.0%	14.8%	12.5%	88%
CRE	65.6% +1.1pp YoY +0.3pp QoQ	+15.6pp	50.0%	48.4%	41.4%	84%
1-4 Family	8.4% +1.8pp YoY +0.8pp QoQ	-18.1pp	26.4%	25.8%	31.3%	12%
Consumer	1.4% -0.2pp YoY 0.0pp QoQ	-3.3pp	4.7%	4.7%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	28.7% +1.8pp YoY -0.1pp QoQ	+13.1pp	15.6%	22.7%	19.7%	97%
Leverage Ratio	14.5% +0.8pp YoY -0.1pp QoQ	+3.1pp	11.3%	12.6%	12.6%	92%
Total Capital Ratio	30.0% +1.8pp YoY -0.1pp QoQ	+13.3pp	16.7%	23.8%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	453 -16 (-3.4%) YoY -11 (-2.4%) QoQ	+139	313	186	482	81%
Assets per Employee ($)	$10.1M +9.1% YoY +3.4% QoQ	-$411K	$10.5M	$10.1M	$8.8M	66%
Branch Count	41 0 YoY 0 QoQ	+21	20	12	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.3%	0.4%	39%
Nonaccrual	9.4% +3.1pp YoY +3.2pp QoQ	+8.6pp	0.8%	1.0%	1.0%	100%
Allowance Coverage	0.27x -2.7% YoY -15.2% QoQ	-18.44x	18.71x	18.82x	20.23x	2%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	13.8% -5.9pp YoY -2.7pp QoQ	+1.2pp	12.6%	13.2%	11.6%	64%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.6%	1.7%	14%
Net Income ($, YTD)	$38.9M -14.7% YoY — QoQ	+$19.7M	$19.2M	$15.9M	$40.4M	88%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#32 of 85 • Bottom 36.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.73%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 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 885 peers in $1B-$10B

Top Strengths (8 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 39.20%

Peer Median: 85.04%

#23 of 885 Top 2.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 28.73%

Peer Median: 14.84%

#23 of 885 Top 2.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 38.52%

Peer Median: 59.73%

#54 of 885 Top 6.0% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 34.15%

Peer Median: 21.27%

#86 of 885 Top 9.6% in $1B-$10B

134

Total Deposits

size

Value: $3.92B

Peer Median: $2.32B

#134 of 885 Top 15.0% in $1B-$10B

143

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.53%

#143 of 885 Top 16.0% in $1B-$10B

144

Total Assets

size

Value: $4.56B

Peer Median: $2.79B

#144 of 885 Top 16.2% in $1B-$10B

181

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.39%

#181 of 885 Top 20.3% in $1B-$10B

Top Weaknesses (2 metrics)

881

Delinquency Rate

credit_quality

Value: 9.41%

Peer Median: 0.87%

#881 of 882 Bottom 0.2% in $1B-$10B

874

Nonperforming Asset Ratio

credit_quality

Value: 3.53%

Peer Median: 0.67%

#874 of 885 Bottom 1.4% in $1B-$10B