International Bank of Commerce

3817 N.W. Expressway
Oklahoma City, OK 73112

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 59093
Date Established 2017
Assets $1.53 billion
Loans $0.84 billion
Deposits $1.11 billion
Capital $0.22 billion

International Bank of Commerce is an FDIC insured institution located in Oklahoma City, OK. It was founded in 2017 and has approximately $1.53 billion in assets. Customers can open an account at one of its 51 branches.

For a more detailed analysis of International Bank of Commerce's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in International Bank of Commerce’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Oklahoma, International Bank of Commerce has a significantly higher percent of Construction and Development Loans, Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.89
Multifamily
Mortgages
0.84
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 1.99
Construction and Development Loans 18.69
Commercial Real Estate 38.33
Commercial and Industrial Loans 36.47
Farm Loans 0.00

Deposit Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for International Bank Of Commerce, but see these great savings and CD rates:

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Loan Rates - April 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for International Bank of Commerce

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Note to International Bank of Commerce
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Branches

International Bank of Commerce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


International Bank of Commerce Locations


Financial Details

International Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of International Bank of Commerce. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
International Bank of Commerce U.S. Bank Average
15.44% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, International Bank of Commerce had $35,408,000 in non-current loans and $21,000 in owned real estate. To cover these potential losses it had $220,645,000 in equity and $8,792,000 in loans loss reserves. That gives it a Texas Ratio of 15.44%.

Return on Equity
International Bank of Commerce U.S. Bank Average
8.85% 8.80%

International Bank of Commerce has a Return on Equity of 8.85% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
International Bank of Commerce U.S. Bank Average
14.43% 12.29%

International Bank of Commerce has a Capitalization of 14.43% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

International Bank of Commerce Balance Sheet Analysis

As of December 31, 2018, International Bank of Commerce had assets of $1,529,227,000, loans of $840,942,000, and deposits of $1,109,896,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.00 billion
Total securities $0.34 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.84 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.04 billion
All other assets $0.12 billion
     Total Assets $1.31 billion
LIABILITIES
Total deposits $1.11 billion
      Interest-bearing deposits $0.70 billion
      Deposits held in domestic offices $1.11 billion
      % insured (estimated) 74.98%
Federal funds purchased and repurchase agreements $0.13 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $1.31 billion
      Shareholders’ Equity $0.22 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.01 billion
Total non interest income $0.02 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About International Bank Of Commerce

Branches and Savings

Is International Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #59093.

Why does International Bank Of Commerce pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are International Bank Of Commerce CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is International Bank Of Commerce a commercial bank?

Yes

Where are International Bank Of Commerce locations?

See branch locations nearby.

Is International Bank Of Commerce open on Saturdays?

Is International Bank Of Commerce open on Sundays?

What time does International Bank Of Commerce open?

What time does International Bank Of Commerce close?

Are International Bank Of Commerce ATMs Open 24/7?

Do International Bank Of Commerce ATMs accept cash deposits?

Can International Bank Of Commerce customers use other ATMs?

Do International Bank Of Commerce branches have notaries?

Will International Bank Of Commerce notarize my document?

What address for International Bank Of Commerce should I put for incoming ACH transfers?

Will the International Bank Of Commerce branch print checks?

Do International Bank Of Commerce checks expire?

Does International Bank Of Commerce require US citizenship to open account?

Can International Bank Of Commerce close my account?

Does International Bank Of Commerce Report to credit bureaus?

Does International Bank Of Commerce Use Equifax?

What is International Bank Of Commerce's ACH Routing Number?

What is International Bank Of Commerce's SWIFT code?

Products

Does International Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does International Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does International Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does International Bank Of Commerce offer student loans?

Will International Bank Of Commerce cash a check?

Will International Bank Of Commerce redeem a savings bond?

Does International Bank Of Commerce cash savings bonds?

Will International Bank Of Commerce cash money orders?

Can International Bank Of Commerce issue a money order?

Does International Bank Of Commerce do currency exchange?

Background on The Bank

Who owns International Bank Of Commerce?

How long has International Bank Of Commerce been around?

Can International Bank Of Commerce transfer to other banks?

Does International Bank Of Commerce have quick pay?

Does International Bank Of Commerce accept rolled coins?

Will International Bank Of Commerce accept loose change?

Where is International Bank Of Commerce headquarters?

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