Capital Bank vs International Bank of Commerce

As of Q1 2026, International Bank of Commerce carries a larger commercial real estate loan book than Capital Bank, roughly 10.3× the size — $4.6B versus $446.1M. CRE book size is one gauge of how much lending capacity a bank is actively deploying, though a bigger book is not automatically better for a borrower; what matters is whether the bank is still growing that book and how concentrated it has become.

Both banks are growing their CRE books quarter over quarter — Capital Bank at 2.0% and International Bank of Commerce at 2.5%. A bank actively expanding its commercial real estate balance is generally still open to new originations, which is favorable for a borrower in the market today.

Neither bank has run past the 300% CRE concentration guideline — Capital Bank is at 269% and International Bank of Commerce at 213%. Banks well below the guideline typically have more room to keep adding commercial real estate loans, which tends to mean more competitive pricing and terms for borrowers.

International Bank of Commerce carries a higher nonaccrual CRE ratio (1% of its CRE book, versus 0% at the other). Rising nonaccruals consume management attention and provisions and often precede tighter credit standards — a useful caution flag when comparing the two as a potential lender.

County recorded documents show both lenders actively closing commercial loans — 21 recent for Capital Bank and 18 for International Bank of Commerce. Capital Bank shows the heavier recent activity in the records we track. Filed deeds of trust are the ground truth of a closed, secured loan, so a presence here confirms the bank is writing business, not just quoting it.

The short version: International Bank of Commerce runs the larger CRE book. The right lender for any specific deal still depends on property type, sponsorship, and the current terms each is quoting — the table above and each bank's full profile carry the detail.