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International Bank Of Commerce

IDRSSD: 230759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 230759 held $4.5B in total assets as of 2026-03-31 (+3.0% quarter-over-quarter). Total loans stood at $1.5B (+2.1% QoQ) and total deposits at $3.9B (+2.8% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 / RWA stands at 28.79%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$4.5B
+3.0% QoQ
Total Loans
$1.5B
+2.1% QoQ
Total Deposits
$3.9B
+2.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
28.79%
96th pctile · n=247↑ better
+1 bp QoQ
CET1 / RWA
28.79%
98th pctile · n=290↑ better
+1 bp QoQ
Total RBC / RWA
30.04%
96th pctile · n=247↑ better
+1 bp QoQ
Tier 1 Leverage Ratio
28.79%
97th pctile · n=290↑ better
+1 bp QoQ

Liquidity

Cash / Assets
1.32%
6th pctile · n=290↑ better
-5 bp QoQ
Loans / Deposits
39.37%
3th pctile · n=288↓ better
-26 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
6.10%
100th pctile · n=290↓ better
-7 bp QoQ
NPA / Assets
2.48%
97th pctile · n=290↓ better
-5 bp QoQ
Texas Ratio (regulatory)
16.30%
94th pctile · n=290↓ better
-44 bp QoQ
Net Charge-Offs / Avg Loans
0.10%
67th pctile · n=290↓ better
-4 bp QoQ
ALLL Coverage of NPL
32.12%
8th pctile · n=290↑ better
+80 bp QoQ

Earnings

Net Interest Margin
3.37%
34th pctile · n=290↑ better
-7 bp QoQ
Return on Assets
2.07%
92th pctile · n=290↑ better
+3 bp QoQ
Return on Equity
16.50%
82th pctile · n=290↑ better
-11 bp QoQ
Efficiency Ratio
36.55%
7th pctile · n=290↓ better
+80 bp QoQ
Pre-tax NOI / Avg Assets
2.62%
92th pctile · n=290↑ better
+7 bp QoQ

Funding

Brokered / Deposits
0.00%
14th pctile · n=288↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.26%
35th pctile · n=290↓ better
-1 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
45.27%
98th pctile · n=290↑ better
+10 bp QoQ
AFS Securities / Assets
45.27%
99th pctile · n=290↑ better
+10 bp QoQ
HTM Securities / Assets
0.00%
46th pctile · n=290↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 03:49:06 UTC