International Bank of Commerce
Total assets
$1.63B
▼ -1.5% YoY
Deposits
$1.17B
▲ +1.5% YoY
Loans
$641.0M
▼ -3.1% YoY
Offices
41
INTERNATIONAL BANCSHARES CORP
ROA (annualized)
1.37%
peers 1.26%
ROE (annualized)
8.89%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Loan growth (YoY) | -3.1% | +5.9% | -9.0 pts |
| ROA | 1.37% | 1.26% | +0.1 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
Profile
- Established
- 2017
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- INTERNATIONAL BANCSHARES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 3817 N West Expy, Oklahoma City, OK, 73112
- County
- Oklahoma
- Metro area
- Oklahoma City, OK
- Offices
- 41
- FDIC cert #
- 59093
- RSSD ID
- 5050028
- 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 | $1.63B | $1.17B | $641.0M | $253.6M | $11.1M | 1.37% | 3.83% | 0.30% |
| Q1 2026 | $1.61B | $1.17B | $634.6M | $248.8M | $5.3M | 1.31% | 3.77% | 1.36% |
| Q4 2025 | $1.62B | $1.12B | $673.2M | $245.7M | $23.4M | 1.44% | 4.00% | 0.07% |
| Q3 2025 | $1.63B | $1.15B | $672.8M | $236.6M | $16.6M | 1.35% | 3.97% | 0.29% |
| Q2 2025 | $1.66B | $1.15B | $661.5M | $225.3M | $10.8M | 1.33% | 3.90% | 0.32% |
| Q1 2025 | $1.64B | $1.18B | $625.6M | $214.7M | $5.0M | 1.23% | 3.86% | 0.83% |
| Q4 2024 | $1.59B | $1.14B | $599.9M | $223.2M | $27.1M | 1.72% | 4.14% | 0.86% |
| Q3 2024 | $1.63B | $1.14B | $600.7M | $225.3M | $20.4M | 1.74% | 4.16% | 0.95% |
Loan mix (Q2 2026): real estate $478.7M · commercial $171.5M · consumer $1.0M · securities $631.3M
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 | 1.37% | 1.26% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 59.0% | 40th | |
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.
Similar banks
- RCB BankClaremore, OK · $3.98B
- InterBankOklahoma City, OK · $5.33B
- Stride Bank, National AssociationEnid, OK · $5.42B
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
- Frandsen Bank & TrustLonsdale, MN · $3.66B
- The Bank of East Asia Ltd.New York, NY · $3.66B
Selling to International Bank of Commerce?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.