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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

International Bank of Com

Laredo, Texas · $10.19B in assets · beside the 11 other Texas banks over $10B

The filing

109.0%
Loans / deposits
12th of 12
20.3%
Equity / assets
1st of 12
2.21%
NPA / loans
11th of 11

International Bank of Com is the smallest of the 12 Texas banks nearest its size over $10B, with $10.19B in assets at 30 June 2026. Loans are 109.0% of deposits, the highest in the cohort against a median of 81.6%, and equity is 20.3% of assets, the highest in the cohort. Loans grew +10.3% in the year, 3rd of 11, and deposits grew 0.9%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 2.21% of the book, the highest in the cohort against a median of 0.77%; 0.71% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 60.9% of loans, the highest in the cohort against a median of 27.7%, and 215% of capital, below the 300% screen, with construction at 86% against the 100% screen.

Return on assets is 2.70%, the highest in the cohort against a median of 1.33%, on an efficiency ratio of 36.5%, 3rd of 12. Five years ago it was 1.28%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 5.8% of loans).

Commercial real estate, share of loansTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 27.7% CS Charles Schwab Premier Bank SS 0.0% AN Amarillo National Bank 7.9% N Nexbank 15.8% TC Texas Capital Bank 16.1% FF First Financial Bank 24.2% FB Frost Bank 27.7% PB Prosperity Bank 31.1% PB Plainscapital Bank 34.9% SB Sunflower Bank National Association 35.3% SB Stellar Bank 39.1% IB International Bank of Com 60.9%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

International Bank of Com is the 466th largest 7(a) lender into Texas of 706, with $2M across 6 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 8 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maverick, TX$725K7th of 146.6%quiet FY2008
Atascosa, TX$498K19th of 291.3%quiet FY2008
Oklahoma, OK$377K140th of 1720.0%quiet FY2017
Tulsa, OK$273K140th of 1590.0%quiet FY2008
Williamson, TX$138K172nd of 1810.0%quiet FY2019
Hidalgo, TX$75K91st of 940.0%quiet FY2009
Webb, TX$50K51st of 520.0%quiet FY2016
Harris, TX$50K311th of 3140.0%quiet FY2017
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade4$1M61.0%0.00%1394th of 2,589
Health care & social assistance2$365K16.7%0.00%1597th of 2,172
Accommodation & food services4$261K11.9%0.00%2181st of 2,596
Wholesale trade1$101K4.6%0.00%1524th of 1,651
Other services1$75K3.4%0.00%2120th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and International Bank of Com
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans IB International Bank of Commerce 0.0% $2M · 6 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
International Bank of ComRankCohort median
Total CRE against capital, the 300% screen215%9th of 12120%
Construction against capital, the 100% screen86%12th of 1239%
Construction and land development, share of loans24.2%11th of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans25.5%11th of 1110.2%
Total CRE, the guidance definition, share of loans60.9%11th of 1127.7%
CRE growth over 36 months, the third prong+32.8%9th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
International Bank of ComCohort median
20212026Change20212026Change
Loans$5.70B$7.22B+27%$5.53B$8.82B+59%
Deposits$8.40B$6.63B-21%$10.30B$12.17B+18%
NPA / loans0.23%2.21%+1.98 pts0.54%0.77%+0.23 pts
Efficiency50.9%36.5%-14.3 pts52.6%51.0%-1.6 pts
ROA1.28%2.70%+1.42 pts1.26%1.33%+0.06 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 pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.ibc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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