BlastPoint's Banking Scorecard
International Bank of Commerce
Community
Specialty: Commercial
TX
FDIC cert 25679
Brownsville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
International Bank of Commerce has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24% in Community
- + Return on Assets 1.02% above tier
- + Efficiency Ratio 27.38% below tier
- + Non-Interest-Bearing Deposit Share 13.90% above tier
- + Tier 1 Capital Ratio 18.53% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 73% in Community
- - Delinquency Rate 5.65% above tier
- - Loan-to-Deposit Ratio 43.44% below tier
- - Nonperforming Asset Ratio 2.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+6.7% YoY
+0.8% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$1.5B
+7.1% YoY
-1.2% QoQ
|
+$521.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$3.8B
+4.3% YoY
+0.4% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.18%
-14.2% YoY
-2.0% QoQ
|
+1.02% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.54%
-7.1% YoY
-1.0% QoQ
|
-0.12% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
35.25%
+5.7% YoY
+0.5% QoQ
|
-27.38% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
6.28%
-1.8% YoY
+0.4% QoQ
|
+5.65% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
39.63%
+2.7% YoY
-1.6% QoQ
|
-43.44% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.94%
-5.6% YoY
-1.2% QoQ
|
+13.90% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
2.53%
-1.7% YoY
-1.8% QoQ
|
+2.03% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
28.78%
+10.2% YoY
+7.0% QoQ
|
+18.53% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.15%
-6.6% YoY
+33.8% QoQ
|
+0.41% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#89 of 371 · Top 24% 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:
1.15%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 6%
in Community
Why this stands out
Current:
2.18%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.25%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.94%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
28.78%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#88 of 120 · Bottom 73% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.18%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.28%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
39.63%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.53%
(Tier avg: 0.50%, National avg: 0.48%)
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
Total Deposits
Current: $3.8B · Tier avg: $1.2B
99
99th pctile
Tier 1 Capital Ratio
Current: 28.78% · Tier avg: 10.24%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
98
98th pctile
Efficiency Ratio
Current: 35.25% · Tier avg: 62.63%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.94% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
2
2th pctile
Loan-to-Deposit Ratio
Current: 39.63% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 6.28% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.53% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.53% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.28% · Tier avg: 0.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 39.63% · Tier avg: 83.06%
44
44th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
89
89th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.74%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.94% · Tier avg: 21.05%
94
94th pctile
Return on Assets
Current: 2.18% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 35.25% · Tier avg: 62.63%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
99
99th pctile
Tier 1 Capital Ratio
Current: 28.78% · Tier avg: 10.24%
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B