BlastPoint's Banking Scorecard
International Bank of Commerce
Mid-Market
Specialty: Commercial
TX
FDIC cert 19629
Laredo, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
International Bank of Commerce has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19% in Mid-Market
- + Profitability Leader: Top 26% in Mid-Market
- + Revenue Diversifier: Top 27% in Mid-Market
- + Efficiency Ratio 20.44% below tier
- + Tier 1 Capital Ratio 7.32% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.8B
+5.4% YoY
-1.0% QoQ
|
-$703.4M |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$6.7B
+6.8% YoY
+1.2% QoQ
|
-$381.9M |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$6.5B
+2.5% YoY
-0.0% QoQ
|
-$2.0B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.92%
+0.2% YoY
+1.4% QoQ
|
+1.76% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.12%
-3.3% YoY
+0.8% QoQ
|
+1.72% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
36.17%
+3.5% YoY
-2.5% QoQ
|
-20.44% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.81%
-29.3% YoY
-22.6% QoQ
|
+0.12% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
103.12%
+4.2% YoY
+1.2% QoQ
|
+17.65% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.42%
-5.8% YoY
-2.0% QoQ
|
+17.78% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.58%
-32.4% YoY
-20.7% QoQ
|
+0.08% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
20.87%
+7.2% YoY
+2.8% QoQ
|
+7.32% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
1.21%
-3.3% YoY
+36.7% QoQ
|
+0.25% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (5)
Deposit Franchise
growth
#5 of 22 · Top 19% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
38.42%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
5.12%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Profitability Leader
growth
#14 of 51 · Top 26% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.92%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#14 of 49 · Top 27% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.21%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.92%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
Efficiency Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
36.17%
(Tier avg: 56.60%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
20.87%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#3 of 26 · Bottom 8% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.87%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
103.12%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.16%
96
96th pctile
Tier 1 Capital Ratio
Current: 20.87% · Tier avg: 13.55%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.42% · Tier avg: 20.64%
94
94th pctile
Net Interest Margin
Current: 5.12% · Tier avg: 3.40%
92
92th pctile
Efficiency Ratio
Current: 36.17% · Tier avg: 56.60%
85
85th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.96%
64
64th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
60
60th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
45
45th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.68%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.12% · Tier avg: 85.47%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.12% · Tier avg: 85.47%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.68%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
45
45th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
60
60th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
64
64th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
85
85th pctile
Non-Interest Income / Assets
Current: 1.21% · Tier avg: 0.96%
92
92th pctile
Efficiency Ratio
Current: 36.17% · Tier avg: 56.60%
94
94th pctile
Net Interest Margin
Current: 5.12% · Tier avg: 3.40%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.42% · Tier avg: 20.64%
96
96th pctile
Tier 1 Capital Ratio
Current: 20.87% · Tier avg: 13.55%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.16%