Citizens Bank vs International Bank of Commerce

As of Q1 2026, International Bank of Commerce carries a larger commercial real estate loan book than Citizens Bank, roughly 18.3× the size — $4.6B versus $252.0M. 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 — Citizens Bank at 4.8% 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.

Citizens Bank is further up the concentration curve at 510% — past the 300% supervisory guideline — while International Bank of Commerce sits lower at 213% with more balance-sheet capacity to keep lending. A borrower may find the less-concentrated bank more receptive to new credit, though concentration is only one of several appetite signals.

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 — 9 recent for Citizens Bank and 18 for International Bank of Commerce. International Bank of Commerce 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.