FDIC Cert #59093 · Oklahoma City, Oklahoma · Est. 2017

International Bank of Commerce - FDIC Bank Health Profile

A community-scale look at International Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
A
Health grade · Excellent
1.44%
Return on assets
20.7%
Tier 1 capital

Data updated July 2026

The verdict

International Bank of Commerce earns a PlainBankData health grade of A (92/100), with well-capitalized at 20.69% Tier 1, profitable at 1.44% ROA, efficient (55% cost ratio).

#690
largest of 4,313 FDIC banks by assets
84th
percentile by asset size, nationally
20.69%
Tier 1 ratio - above the 10% well-capitalized line
71st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 59093 · OK A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #548/4307
  • PHOTO-FINISH Liberty Capital Bank · TX
  • TIER1-WELL 20.7% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-STRONG 1.44% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Liberty Capital Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around International Bank of Commerce

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Guadalupe Bank · TX · near92/100International Bank o… · OK ·…92/100Liberty Capital Bank · TX · …92/100Locus Bank, Inc. · VA · near92/100Oak View National Bank · VA …92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around International Bank of Commerce · July 2026

What International Bank of Commerce's Call Report plate shows

International Bank of Commerce (FDIC Cert #59093) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #548 of 4,307. Tier 1 capital prints at 20.69%, clearing the 10% well-capitalized line. The Texas Ratio is 0.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.44%. Balance-sheet scale is $1.6B, 690th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Liberty Capital Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around International Bank of Commerce

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

International Bank of Commerce's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; International Bank of Commerce remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How International Bank of Commerce's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
International Bank of Commerce's composite health score
Tier 1 Capital Ratio (20.69%) 40/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (0.26%) 20/20
Efficiency Ratio (54.86%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$673M

Outstanding loan book

Net Income

$23M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.29% 20.69% 22.09%
Basel III capital ratios - International Bank of Commerce

Where International Bank of Commerce ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. International Bank of Commerce's score of 92/100 falls in the highlighted band.

International Bank of Commerce: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 13% higher than 87% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. International Bank of Commerce 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

International Bank of Commerce's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). International Bank of Commerce's $1.6B falls in the highlighted band.

Safety ratios for International Bank of Commerce

Tier 1 capital ratio
Well-capitalized 10%

20.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.69%
Texas Ratio
0.26%
Equity Capital
$246M

What these ratios mean →

Earnings posture at International Bank of Commerce

Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
10.21%
Efficiency Ratio
54.86%

What these mean →

Income & expense at International Bank of Commerce

$73M
Interest Income
$16M
Non-Interest Income
$37M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. International Bank of Commerce reports a Texas Ratio of 0.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View International Bank of Commerce on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Oklahoma so the neighborhood is not state containment.

Union Bank $1.6B · VT Bonvenu Bank $1.6B · LA Community National Bank & Trust of Te… $1.6B · TX Troy Bank & Trust Company $1.6B · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) International Bank of Commerce (FDIC Cert #59093) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

International Bank of Commerce Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%