International Bank of Com
Brownsville, Texas · $4.56B in assets · beside the 11 other Texas banks between $3B and $10B
The filing
International Bank of Com is the seventh largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.56B in assets at 30 June 2026. Loans are 40.2% of deposits, 2nd of 12 against a median of 71.8%, and equity is 12.7% of assets, 3rd of 12. Loans grew +2.7% in the year, 6th of 12, and deposits grew 4.1%; the cohort's median loan growth is +2.2%.
Noncurrent loans are 9.17% of the book, the highest in the cohort against a median of 0.60%; 0.23% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.11% of loans, 8th of 12. Commercial real estate is 56.9% of loans, 11th of 12 against a median of 38.8%, and 128% of capital, below the 300% screen, with construction at 47% against the 100% screen.
Return on assets is 1.67%, 3rd of 12 against a median of 1.58%, on an efficiency ratio of 38.5%, 2nd of 12. Five years ago it was 1.79%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| International Bank of Com | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 128% | 2nd of 12 | 191% |
| Construction against capital, the 100% screen | 47% | 2nd of 12 | 57% |
| Construction and land development, share of loans | 21.0% | 12th of 12 | 11.1% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 25.9% | 10th of 12 | 22.2% |
| Total CRE, the guidance definition, share of loans | 56.9% | 11th of 12 | 38.8% |
| CRE growth over 36 months, the third prong | +21.3% | 7th of 12 | +16.3% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $5.51B | 0.7% | 74.8% | 0.23% | 0.03% | 1.3% | 73.9% | 6.0% | |
| $5.42B | 1.8% | 57.9% | 0.19% | 0.13% | 1.1% | 65.3% | 9.1% | |
| $5.39B | 1.4% | 60.7% | 0.25% | 0.05% | 1.4% | 80.1% | 11.1% | |
| $5.14B | 1.6% | 55.5% | 0.87% | 0.30% | 1.3% | 88.9% | 8.6% | |
| $4.64B | 1.2% | 84.5% | 1.23% | 0.83% | 1.3% | 55.8% | 6.7% | |
| $4.58B | 1.6% | 57.9% | 0.96% | 0.10% | 1.2% | 69.6% | 11.4% | |
| $4.56B | 1.7% | 38.5% | 9.17% | 0.11% | 2.5% | 40.2% | 12.7% | |
| $4.49B | 0.6% | 95.2% | 0.00% | 0.00% | 1.4% | 26.2% | 8.2% | |
| $4.34B | 1.6% | 54.7% | 0.61% | 0.01% | 1.2% | 91.5% | 12.9% | |
| $4.26B | 1.6% | 38.2% | 0.37% | 0.41% | 0.9% | 67.7% | 11.6% | |
| $3.67B | 0.1% | 89.0% | 3.62% | 0.07% | 0.6% | 110.0% | 10.8% | |
| $3.33B | 2.1% | 51.3% | 0.60% | 0.05% | 1.5% | 89.3% | 15.1% |
| International Bank of Com | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $662M | $1.58B | +138% | $1.84B | $2.70B | +47% |
| Deposits | $1.25B | $3.92B | +213% | $3.02B | $3.97B | +31% |
| NPA / loans | 0.05% | 9.17% | +9.12 pts | 0.44% | 0.60% | +0.16 pts |
| Efficiency | 41.1% | 38.5% | -2.5 pts | 63.9% | 57.9% | -6.0 pts |
| ROA | 1.79% | 1.67% | -0.11 pts | 1.31% | 1.58% | +0.26 pts |
This read was prepared for International Bank of Com's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on International Bank of Com is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.ibc.com
← Back to the catalogue