BlastPoint's Banking Scorecard
International Bank of Commerce
Community
Specialty: Mortgage
TX
FDIC cert 24961
Zapata, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
International Bank of Commerce has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 10% in Community
- + Non-Interest-Bearing Deposit Share 13.28% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$512.4M
+9.4% YoY
+1.6% QoQ
|
-$879.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$140.3M
+4.7% YoY
-0.3% QoQ
|
-$835.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$438.1M
+8.2% YoY
+1.3% QoQ
|
-$726.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.66%
+0.5% YoY
+3.4% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.38%
+3.9% YoY
+0.2% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
54.71%
-1.3% YoY
-1.6% QoQ
|
-7.92% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.59%
+205.2% YoY
-10.3% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
32.03%
-3.3% YoY
-1.6% QoQ
|
-51.03% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.32%
+1.9% YoY
-1.8% QoQ
|
+13.28% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+46.3% YoY
-11.5% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
32.63%
-0.3% YoY
+3.6% QoQ
|
+22.39% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.81%
-6.5% YoY
+32.8% QoQ
|
+1.07% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#37 of 371 · Top 10% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.81%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Non-Interest-Bearing Deposit Share is in the top decile of tier peers. Cheap (no-cost) funding is a larger share of the deposit base than at peers - structural NIM advantage in rising-rate environments.
Why this stands out
Current:
34.32%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Credit Risk Growth
risk
#243 of 642 · Bottom 38% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
99
99th pctile
Tier 1 Capital Ratio
Current: 32.63% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 32.03% · Tier avg: 83.06%
95
95th pctile
Non-Interest Income / Assets
Current: 1.81% · Tier avg: 0.74%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.32% · Tier avg: 21.05%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.71% · Tier avg: 62.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
4
4th pctile
Total Deposits
Current: $438.1M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $512.4M · Tier avg: $1.4B
1
1th pctile
Total Loans
Current: $140.3M · Tier avg: $975.5M
Top Weaknesses
1
1th pctile
Total Loans
Current: $140.3M · Tier avg: $975.5M
2
2th pctile
Total Assets
Current: $512.4M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $438.1M · Tier avg: $1.2B
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
74
74th pctile
Efficiency Ratio
Current: 54.71% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.32% · Tier avg: 21.05%
95
95th pctile
Non-Interest Income / Assets
Current: 1.81% · Tier avg: 0.74%
99
99th pctile
Loan-to-Deposit Ratio
Current: 32.03% · Tier avg: 83.06%
99
99th pctile
Tier 1 Capital Ratio
Current: 32.63% · Tier avg: 10.24%