BlastPoint's Banking Scorecard

International Bank of Commerce

$1B-$10B Specialty: Commercial OK FDIC cert 59093

Oklahoma City, OK

41 branches across OK · 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 21 in OK.
Deposits +1.5% year over year ($1.2B on the books).
Delinquency rate 0.68%.
Return on assets 1.37%.
Efficiency ratio 55.57% vs a 59.73% peer average.
Loan-to-deposit ratio 54.80% 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 21 in OK

View $1B-$10B leaderboard (OK) →

International Bank of Commerce has 3 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

+ Non-Interest-Bearing Deposit Share 14.34% above tier average
+ Efficiency Ratio 4.16% below tier average
+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 37.6% in tier

Get updates when International Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.6B -1.5% YoY +1.3% QoQ	-$1.2B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$641.0M -3.1% YoY +1.0% QoQ	-$1.3B	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Bottom 5.4% in tier
Total Deposits ?	$1.2B +1.5% YoY +0.3% QoQ	-$1.1B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	1.37% +3.1% YoY +4.2% QoQ	-0.02%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	3.83% -1.7% YoY +1.6% QoQ	-0.04%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	55.57% +0.1% YoY -0.1% QoQ	-4.16%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.68% +554.2% YoY -79.9% QoQ	-0.19%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	40%
Loan-to-Deposit Ratio ?	54.80% -4.5% YoY +0.7% QoQ	-30.24%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Top 5.2% in tier
Non-Interest-Bearing Deposit Share ?	35.61% -10.2% YoY -2.3% QoQ	+14.34%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Top 7.7% in tier
Nonperforming Asset Ratio ?	0.30% -8.5% YoY -78.2% QoQ	-0.38%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	21.92% +14.8% YoY +1.8% QoQ	+7.08%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Top 5.6% in tier
Non-Interest Income / Assets ?	0.53% +13.8% YoY +100.1% QoQ	+0.00%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	82%

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	35.6% -4.1pp YoY -0.8pp QoQ	+14.2pp	21.4%	23.9%	22.2%	92%
Brokered Deposits	n/a	n/a	9.5%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	26.8% -4.1pp YoY +3.8pp QoQ	+12.8pp	14.0%	15.7%	12.5%	89%
CRE	71.9% +3.2pp YoY -4.6pp QoQ	+21.9pp	50.0%	42.0%	41.4%	90%
1-4 Family	2.8% +1.0pp YoY +0.9pp QoQ	-23.6pp	26.4%	24.0%	31.3%	4%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-4.6pp	4.7%	5.6%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	21.9% +2.8pp YoY +0.4pp QoQ	+6.3pp	15.6%	17.0%	19.7%	93%
Leverage Ratio	15.5% +1.7pp YoY +0.4pp QoQ	+4.2pp	11.3%	11.7%	12.6%	94%
Total Capital Ratio	22.9% +2.8pp YoY +0.4pp QoQ	+6.2pp	16.7%	18.2%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	235 -19 (-7.5%) YoY -11 (-4.5%) QoQ	-79	313	150	482	50%
Assets per Employee ($)	$6.9M +6.5% YoY +6.0% QoQ	-$3.5M	$10.5M	$6.5M	$8.8M	23%
Branch Count	41 0 YoY 0 QoQ	+21	20	8	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.1pp	0.2%	0.9%	0.4%	36%
Nonaccrual	0.7% +0.6pp YoY -2.7pp QoQ	-0.2pp	0.8%	1.5%	1.0%	60%
Allowance Coverage	2.61x -84.5% YoY +404.1% QoQ	-16.10x	18.71x	61.99x	20.23x	59%
Net Charge-off Rate (YTD)	0.3% -2.1pp YoY -0.2pp QoQ	0.0pp	0.3%	0.2%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	8.9% -0.9pp YoY +0.3pp QoQ	-3.7pp	12.6%	11.9%	11.6%	25%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.8%	1.7%	18%
Net Income ($, YTD)	$11.1M +2.5% YoY — QoQ	-$8.2M	$19.2M	$8.7M	$40.4M	44%

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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)

Flatlined Growth

risk

#62 of 162 • Bottom 37.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.37%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

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 (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 54.80%

Peer Median: 85.04%

#47 of 885 Top 5.2% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 21.92%

Peer Median: 14.84%

#51 of 885 Top 5.6% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 35.61%

Peer Median: 21.27%

#69 of 885 Top 7.7% in $1B-$10B

157

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.53%

#157 of 885 Top 17.6% in $1B-$10B

Top Weaknesses (1 metrics)

838

Total Loans

size

Value: $641.02M

Peer Median: $1.96B

#838 of 885 Bottom 5.4% in $1B-$10B