International Bank of Commerce: how it compares with its peers
Against 15 TX banks with half to twice its assets, International Bank of Commerce's strongest measure in Q2 2026 is return on assets (2.82% vs. a 1.37% peer median). Its weakest relative measure is assets per employee ($7.3M vs. $10.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.82% | 1.37% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.96% | 3.95% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 36.53% | 57.85% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $10.0M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.32% | 79.45% | Context |
What it means for lending operations
Its efficiency ratio of 36.53% is better than the 57.85% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Amarillo National Bank Amarillo, TX · $10.38B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
- Woodforest National Bank The Woodlands, TX · $8.98B
- Southside Bank Tyler, TX · $8.76B
- PlainsCapital Bank University Park, TX · $12.68B
Questions about International Bank of Commerce
How big is International Bank of Commerce?
International Bank of Commerce, established in 1966, is headquartered in Laredo, TX. It reported $10.19B in total assets in its Q2 2026 FDIC call report and operates 80 offices.
What is International Bank of Commerce's return on assets?
2.82% annualized in Q2 2026, against a 1.37% median for 15 TX banks with half to twice its assets, ahead of 100% of them.
What is International Bank of Commerce's efficiency ratio?
36.53% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 57.85%, and lower is better.
Is International Bank of Commerce growing its loans?
Net loans grew 10.5% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.