Headquartered in Oklahoma City, Oklahoma, International Bank of Commerce is a state-chartered bank with $1.6B in total assets and $1.2B in deposits as of Q2 2026. It operates 41 offices across 2 states. Its charter dates back to 2017.
Based on its Q2 2026 filing, International Bank of Commerce scores 88/100, which we describe as very strong. That is higher than 98% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 13th. Its strongest component is capital cushion (100/100; 15.53%), and its lowest is earnings (75/100; 1.37%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 79 |
| Q4 2024 | 82 |
| Q1 2025 | 76 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 93 |
| Q1 2026 | 67 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.57% |
| Q3 2024 | 14.59% |
| Q4 2024 | 14.47% |
| Q1 2025 | 13.57% |
| Q2 2025 | 13.84% |
| Q3 2025 | 14.33% |
| Q4 2025 | 14.68% |
| Q1 2026 | 15.13% |
| Q2 2026 | 15.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.81% |
| Q3 2024 | 1.76% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.38% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.10% |
| Q1 2026 | 3.31% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.74% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.33% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $1.6B | 15.53% | 0.66% | 1.37% | 54.8% |
| Q1 2026 | 67 | $1.6B | 15.13% | 3.31% | 1.31% | 54.4% |
| Q4 2025 | 93 | $1.6B | 14.68% | 0.10% | 1.44% | 60.1% |
| Q3 2025 | 90 | $1.6B | 14.33% | 0.13% | 1.35% | 58.7% |
| Q2 2025 | 89 | $1.7B | 13.84% | 0.10% | 1.33% | 57.4% |
| Q1 2025 | 76 | $1.6B | 13.57% | 1.38% | 1.23% | 53.2% |
| Q4 2024 | 82 | $1.6B | 14.47% | 1.45% | 1.72% | 52.6% |
| Q3 2024 | 79 | $1.6B | 14.59% | 1.76% | 1.74% | 52.7% |
| Q2 2024 | 83 | $1.6B | 15.57% | 1.81% | 1.98% | 53.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Heritage BankBank Sapulpa, OK | 71 out of 100, Strong | $1.5B | 9.6% | 0.21% | vs |
| Sovereign BankBank Shawnee, OK | 64 out of 100, Moderate | $1.5B | 10.3% | 0.06% | vs |
| Blue Sky BankBank Pawhuska, OK | 42 out of 100, Below average | $1.4B | 9.1% | 2.06% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| First Oklahoma BankBank Jenks, OK | 61 out of 100, Moderate | $1.3B | 9.1% | 0.55% | vs |
| Great Plains National BankBank Elk City, OK | 62 out of 100, Moderate | $1.9B | 9.4% | 1.33% | vs |
Deposit insurance
Is my money safe at International Bank of Commerce?
Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #59093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.2% of deposits ($283.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.91% (benchmark: 10%).
41 locations
Branches
International Bank of Commerce lists 41 offices in 27 cities across 2 states. Most locations:
- Oklahoma City, OK (7)
- Tulsa, OK (7)
- Edmond, OK (2)
- Lawton, OK (2)
- Ardmore, OK (1)
- Bethany, OK (1)
- Bixby, OK (1)
- Broken Arrow, OK (1)
- Chandler, OK (1)
- Chickasha, OK (1)
- Claremore, OK (1)
- Dallas, TX (1)
Identity & history
Profile
- Legal name
- International Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 59093
- RSSD ID
- 5050028
- Primary regulator
- FDIC
- Holding company
- International Bancshares Corp
- Established
- January 1, 2017
- Headquarters
- 3817 N West Expy, Oklahoma City, OK 73112
- Website
- www.ibc.com
- Employees
- 235
Quick answers
International Bank of Commerce: common questions
Is International Bank of Commerce FDIC insured?
Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #59093). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is International Bank of Commerce's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has International Bank of Commerce ever failed?
There is no failure record for FDIC certificate #59093 in the FDIC failed bank list.
How many branches does International Bank of Commerce have?
41 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Oklahoma City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| The First Bank of OkarcheBank Okarche, OK | 89 out of 100, Very strong | $137.5M | 16.1% | 1.04% | vs |
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |