International Bank of Commerce
Brownsville, TX·RSSD 230759·FDIC 25679·bank:230759·Risk-based ratios where reported
- #24 of 352Total assets in Texas
- Top 7%Total assets in the U.S.
- 41offices
- 453employees
- Top 6%Efficiency in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at International Bank of Commerce
6 of 24 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Problem loans rising faster than peersWorth a look: Asset quality9.17%peers 0.58%+859 bps
International Bank of Commerce's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 300 bps over the past year to 9.17%. Among 267 similar banks, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 9.17% | 0.58% | +859 bps |
| 12-month change | ||
| +300 bps | +3 bps | +297 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. International Bank of Commerce itself is left out of every peer median and percentile. How signals work
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal34.2%peers 20.1%+14.1 pp
International Bank of Commerce's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 34.2% | 20.1% | +14.1 pp |
| Time deposits' share of deposits | ||
| 32.2% | 20.9% | +11.3 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. International Bank of Commerce itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings1.40%peers 1.39%+1 bps
International Bank of Commerce's annualized return on assets fell 73 bps over the past year to 1.40%. Among 264 similar banks, the median rose 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.40% | 1.39% | +1 bps |
| 12-month change | ||
| -73 bps | +16 bps | -89 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. International Bank of Commerce itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency40.5%peers 55.7%-15.3 pp
International Bank of Commerce's efficiency ratio rose 5.1 percentage points over the past year to 40.5%. Among 264 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 40.5% | 55.7% | -15.3 pp |
| 12-month change | ||
| +5.1 pp | -2.1 pp | +7.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. International Bank of Commerce itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on CDs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- International Bank of Commerce is a bank headquartered in Brownsville, Texas. It reported $4.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $3.9 billion, up 4.1% from a year earlier, and loans totaled $1.6 billion, up 2.7%.
- Its net interest margin was 3.37% and its annualized return on assets was 1.40% for the quarter.
- Its cost of all deposits was 1.43%, compared with a median of 2.00% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With International Bank of Commerce's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- International Bank of Commerce · Bank
- Federal Reserve RSSD
- 230759
- FDIC certificate
- 25679
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. International Bank of Commerce itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $15.87M | — | |
| $50.54M | — | |
| $14.22M | — | |
| $36.32M | — | |
| $12.88M | — | |
| $19.9M | — | |
| $9.3M | — | |
| $9.24M | — | |
| 1.40% | 1.40%ROAQ · Quarter | |
| 3.37% | 3.36%NIMYQ · Quarter | |
| 40.45% | 40.45%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.