International Bank of Commerce
Total assets
$4.56B
▲ +5.4% YoY
Deposits
$3.92B
▲ +4.1% YoY
Loans
$1.54B
▲ +1.9% YoY
Offices
41
INTERNATIONAL BANCSHARES CORP
ROA (annualized)
1.73%
peers 1.26%
ROE (annualized)
13.76%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.5% | -0.1 pts |
| Deposit growth (YoY) | +4.1% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +1.9% | +5.9% | -4.0 pts |
| ROA | 1.73% | 1.26% | +0.5 pts |
| ROE | 13.8% | 12.2% | +1.6 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
Profile
- Established
- 1984
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- INTERNATIONAL BANCSHARES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1600 Fm 802, Brownsville, TX, 78521
- County
- Cameron
- Metro area
- Brownsville-Harlingen, TX
- Offices
- 41
- FDIC cert #
- 25679
- RSSD ID
- 230759
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.56B | $3.92B | $1.54B | $579.2M | $38.9M | 1.73% | 3.37% | 3.53% |
| Q1 2026 | $4.52B | $3.88B | $1.53B | $567.4M | $23.1M | 2.07% | 3.37% | 2.48% |
| Q4 2025 | $4.39B | $3.78B | $1.50B | $551.7M | $93.5M | 2.18% | 3.54% | 2.53% |
| Q3 2025 | $4.35B | $3.76B | $1.52B | $524.2M | $71.2M | 2.23% | 3.58% | 2.58% |
| Q2 2025 | $4.33B | $3.76B | $1.51B | $501.4M | $45.6M | 2.16% | 3.55% | 2.59% |
| Q1 2025 | $4.26B | $3.73B | $1.51B | $466.3M | $22.8M | 2.18% | 3.48% | 2.55% |
| Q4 2024 | $4.11B | $3.62B | $1.40B | $425.2M | $102.5M | 2.54% | 3.81% | 2.57% |
| Q3 2024 | $4.16B | $3.64B | $1.33B | $424.7M | $77.0M | 2.56% | 3.95% | 1.38% |
Loan mix (Q2 2026): real estate $1.14B · commercial $403.6M · consumer $21.1M · securities $1.83B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.70% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.5% | 59.0% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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