Compared with Oklahoma
14 of 17
compared fees are above the median.
2 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
99th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 17 compared; 2 below, 1 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for International Bank of Commerce at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | International Bank of Commerce's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 12% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (99th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.1M in Q2 2026, 1.1% below the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 17 compared published fees sit above the Oklahoma median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Personal Rite Checking $7.95 · Personal Regular Checking $9.95
Compared at $8.95, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 5.6% from Q3 2025 to Q2 2026, to $2.1M. Its share of revenue, 12%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.1M
International Bank of CommerceMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7.95 to $9.95; we compare the midpoint.
International Bank of Commerce · $1.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| International Bank of Commerce(this institution) | Oklahoma City, OK | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alma Bank | Astoria, NY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| BankSouth | Greensboro, GA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benchmark Bank | Plano, TX | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| BOM Bank | Natchitoches, LA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cape & Coast Bank | Yarmouth Port, MA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Carmichaels, PA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Forcht Bank, National Association | Lexington, KY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Grasshopper Bank, N.A. | New York, NY | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horicon Bank | Horicon, WI | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Finance Bank | Miami, FL | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Landmark National Bank | Manhattan, KS | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Main Street Bank | Marlborough, MA | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Meredith Village Savings Bank | Meredith, NH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northfield Savings Bank | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific National Bank | Miami, FL | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PrimeSouth Bank | Blackshear, GA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Nodaway Valley Bank | Maryville, MO | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Ohio Valley Bank Company | Gallipolis, OH | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Security National Bank of Sioux City, Iowa | Sioux City, IA | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | Ogden, UT | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| US Metro Bank | Garden Grove, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Virginia National Bank | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.95, the middle of its two prices, against a peer median of $9 among 17 publishing peers.
Its two checking prices are $7.95 and $9.95.
$8.95 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for International Bank of Commerce (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 38 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.1M | +$67K | +3.3% |
| Q1 2026 | $2.0M | −$100K | −4.7% |
| Q4 2025 | $2.1M | −$92K | −4.1% |
| Q3 2025 | $2.2M | +$101K | +4.7% |
| Q2 2025 | $2.1M | +$111K | +5.5% |
| Q1 2025 | $2.0M | −$104K | −4.9% |
| Q4 2024 | $2.1M | −$49K | −2.2% |
| Q3 2024 | $2.2M | +$4K | +0.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, International Bank of Commerce left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to International Bank of Commerce by share.
Amounts from International Bank of Commerce’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within 90 days of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Processing fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft fee (checks and other debits paid) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned) created by check, in person withdrawal | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF / Returned Item | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft transfer protection | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-IBC ATM locations (in the U.S.): Withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-IBC ATM locations (outside the U.S.) — Transfer | $2Below the U.S. middle 50% ($2.06 to $5 nationally) | per transaction | None |
| Non-IBC ATM locations (outside the U.S.): Withdrawal | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Debit/ATM Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfer within USA by IBC Representative | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| WIRE TRANSFERS: Outgoing Wire Transfer within USA by IBC Representative | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer | $12.50Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Wire Transfer outside USA Consumer Customer | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Checks — Non-customers (Only for securing funds for an on-us check) | $25Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| TELLER SERVICES Cashier's Checks: Customers | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Pay Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Online Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment (all items) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection of items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| BILL PAY Overnight Check (audience not stated, treated as personal) | $14.95Not compared: Per-item charge, not monthly | per item | None |
| Same-Day Bill Payment | $9.95Not compared: Per-item charge, not monthly | per item | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Account Services | |||
| Litigation Levies and Freezes | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Int'l Courier Proc. Fee | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Misc Delivery Fee Domestic/Mexico Address | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Misc Delivery Fee Foreign Address | $40Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Current account activity printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Reproduction of statement/item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Reproduction of TT&Ls or Cashier's checks | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Processing fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft fee (checks and other debits paid) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned) created by check, in person withdrawal | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft transfer protection | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-IBC ATM locations (in the U.S.): Withdrawal | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-IBC ATM locations (outside the U.S.) — Transfer | $2Below the U.S. middle 50% ($2.06 to $5 nationally) | per transaction | None |
| Non-IBC ATM locations (outside the U.S.): Withdrawal | $2.50Inside the U.S. middle 50% ($2.06 to $5 nationally) | Not stated | None |
| Debit/ATM Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfer within USA by IBC Representative | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer | $12.50Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier's Checks — Non-customers (Only for securing funds for an on-us check) | $25Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Pay Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Online Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection of items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Same-Day Bill Payment | $9.95Not compared: Per-item charge, not monthly | per item | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid) | $12 | per item | None |
Account Services | |||
| Litigation Levies and Freezes | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Int'l Courier Proc. Fee | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Misc Delivery Fee Domestic/Mexico Address | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Misc Delivery Fee Foreign Address | $40Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Current account activity printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Reproduction of statement/item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Reproduction of TT&Ls or Cashier's checks | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where International Bank of Commerce operates, and what regulators and customers have on file.
Branch footprint
41 offices in 2 states, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 17 | $560.4M | |
| 13 | $370.2M | |
| Outside a metro area | 8 | $113.4M |
| 2 | $89.3M | |
| 1 | $36.4M |
Oklahoma City, OK
0.9% of bank deposits, #19 of 71, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| MidFirst Bank | 23.5% |
| BOKF, National Association | 12.3% |
| JPMorgan Chase Bank, National Association | 9.4% |
| BancFirst | 8.3% |
| Bank of America, National Association | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2017 to 2026. Deposits are booked at the branch as of June 30.
In Oklahoma City, OK, International Bank of Commerce holds 0.9% of bank deposits, #19 of 71, with 17 offices.
504 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 71 institutions shown. $60.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2017 to 2026
June 2026: 0.9% share, 17 offices, #19 of 71
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2026.
Credit unions, reported separately
124 offices of 24 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
INTERNATIONAL BANCSHARES CORP (Nasdaq: IBOC)
Consolidated assets
$17.0B
Shareholders' equity
$3.4B
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 315709. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.