BlastPoint's Banking Scorecard
International Bank of Commerce
Oklahoma City, OK
41 branches across OK · TX
International Bank of Commerce has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.17% above tier average
- + Efficiency Ratio 5.41% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6.9% in tier
- - Flatlined Growth: Bottom 30.0% in tier
- - Delinquency Rate 2.48% above tier average
- - ROA 0.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-2.0% YoY
-0.5% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$634.6M
+1.4% YoY
-5.7% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$1.2B
-0.9% YoY
+4.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.31%
+6.7% YoY
-8.7% QoQ
|
-0.05% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.77%
-2.4% YoY
-5.8% QoQ
|
-0.05% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
55.65%
-0.2% YoY
+1.4% QoQ
|
-5.41% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
3.37%
+136.6% YoY
|
+2.48% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.6% in tier |
| Loan-to-Deposit Ratio ? |
54.44%
+2.4% YoY
-9.5% QoQ
|
-29.77% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.46%
-7.7% YoY
-2.6% QoQ
|
+15.17% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 7.4% in tier |
| Nonperforming Asset Ratio ? |
1.36%
+64.3% YoY
|
+0.68% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.4% in tier |
| Tier 1 Capital Ratio ? |
21.53%
+14.2% YoY
+4.0% QoQ
|
+6.37% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 6.1% in tier |
| Non-Interest Income / Assets ? |
0.26%
+19.8% YoY
-73.7% QoQ
|
+0.01% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.