BlastPoint's Banking Scorecard
International Bank of Commerce
Community
Specialty: Commercial
OK
FDIC cert 59093
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
International Bank of Commerce has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.93% below tier
- + Non-Interest-Bearing Deposit Share 16.39% above tier
- + Tier 1 Capital Ratio 10.44% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28% in Community
- - Deposit Outflow: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+2.0% YoY
-0.6% QoQ
|
+$227.8M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$673.2M
+12.2% YoY
+0.1% QoQ
|
-$302.3M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$1.1B
-1.9% YoY
-2.4% QoQ
|
-$45.2M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.44%
-16.5% YoY
+6.1% QoQ
|
+0.27% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.00%
-3.5% YoY
+0.7% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
54.86%
+9.5% YoY
-4.3% QoQ
|
-7.77% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.10%
-93.3% YoY
-22.5% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
60.14%
+14.4% YoY
+2.5% QoQ
|
-22.93% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.43%
-1.6% YoY
-1.8% QoQ
|
+16.39% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-91.6% YoY
-74.5% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
20.69%
+0.6% YoY
+5.6% QoQ
|
+10.44% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
1.00%
-24.0% YoY
+36.6% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
60.14%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.43%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.69%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Margin Compression
decline
#34 of 120 · Bottom 28% 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:
1.44%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#107 of 248 · Bottom 43% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 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
94
94th pctile
Tier 1 Capital Ratio
Current: 20.69% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.43% · Tier avg: 21.05%
92
92th pctile
Loan-to-Deposit Ratio
Current: 60.14% · Tier avg: 83.06%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 54.86% · Tier avg: 62.63%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
48
48th pctile
Total Loans
Current: $673.2M · Tier avg: $975.5M
Top Weaknesses
48
48th pctile
Total Loans
Current: $673.2M · Tier avg: $975.5M
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Efficiency Ratio
Current: 54.86% · Tier avg: 62.63%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
92
92th pctile
Loan-to-Deposit Ratio
Current: 60.14% · Tier avg: 83.06%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.43% · Tier avg: 21.05%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.69% · Tier avg: 10.24%