International Bank of Commerce (Laredo, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at International Bank of Commerce. Its balance sheet stood at $10.2 billion at June 30, 2026, up 4.8% from a year earlier; it is based in Laredo, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.21% of loans from 1.07% a year earlier. It earns about $2.75 a year on every $100 of assets, about double the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 53 cents).
Delinquency has appeared in its $1.3 billion commercial and industrial book: 8.17% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 10.3% and deposits rose 0.9%. Credit is the area to watch: it carries problem assets equal to 8.2% of the capital and reserves that would absorb them, about double the median of 4.2% for banks its size.
As of June 30, 2026, International Bank of Commerce reported a CET1 capital ratio of 21.11%, a return on assets of 2.75%, a nonperforming-loan ratio of 2.21% and a Texas ratio of 8.24%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1200 San Bernardo Ave, Laredo, TX 78040
- County
- Webb
- Metro Area
- Laredo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 2, 1966
- Offices
- 80 domestic
- Employees (FTE)
- 1,404
- Domestic deposits
- $6.63B
- Allowance for credit losses
- $112.9M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $10.37B
- Average total loans
- $7.13B
- Average interest-bearing deposits
- $5.38B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 2, 1966
- FDIC Cert
- 19629
- Fed RSSD
- 1001152
- SEC CIK
- 315709 → filed by INTERNATIONAL BANCSHARES CORPORATION
- Website
- www.ibc.com →
- Parent Holding Company
- INTERNATIONAL BANCSHARES CORPORATION (RSSD 1104231) · IBOC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dennis E Nixon | CEO | CEO |
| Judith I Wawroski | TREAS | TREASURER/PAO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full International Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock International Bank of Commerce, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
International Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for International Bank of Commerce: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.11% | 2.75% | 2.21% | 8.24% | 4.74% |
| Q1 2026 | 21.12% | 2.71% | 0.81% | 3.04% | 4.70% |
| Q4 2025 | 20.87% | 2.94% | 0.79% | 3.02% | 4.96% |
| Q3 2025 | 20.30% | 2.85% | 1.02% | 4.02% | 4.95% |
| Q2 2025 | 20.13% | 2.89% | 1.07% | 4.34% | 4.95% |
| Q1 2025 | 19.46% | 2.83% | 1.06% | 4.62% | 4.91% |
| Q4 2024 | 19.46% | 3.30% | 1.12% | 4.86% | 4.96% |
| Q3 2024 | 18.84% | 2.76% | 1.14% | 4.96% | 5.16% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 80 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| International Bank of Commerce (main office) | Laredo , TX | 78040 | $2.08B |
| Ibc Centre Branch | San Antonio , TX | 78205 | $747.1M |
| Kirby Dr. Branch | Houston , TX | 77005 | $692.5M |
| Eagle Pass Downtown Branch | Eagle Pass , TX | 78852 | $440.0M |
| Main Branch | Austin , TX | 78701 | $315.3M |
| South Shoreline Branch | Corpus Christi , TX | 78401 | $158.8M |
| Plantation Branch | Laredo , TX | 78045 | $145.7M |
| Mall Del Norte No. 1 Branch | Laredo , TX | 78041 | $128.2M |
| Eagle Pass Main Street Branch | Eagle Pass , TX | 78852 | $97.1M |
| Port Lavaca Branch | Port Lavaca , TX | 77979 | $90.6M |
| El Banquito Heights Branch | Laredo , TX | 78040 | $90.1M |
| El Banquito North Branch | Laredo , TX | 78041 | $89.6M |
| San Isidro Branch | Laredo , TX | 78045 | $82.2M |
| Mall De Las Aguilas Branch | Eagle Pass , TX | 78852 | $81.1M |
| Stone Oak Branch | San Antonio , TX | 78258 | $64.3M |
| Alief Branch | Houston , TX | 77072 | $62.9M |
| El Banquito Del Mar Branch | Laredo , TX | 78041 | $62.5M |
| El Banquito Mines Rd Branch | Laredo , TX | 78045 | $60.8M |
| Bay City Branch | Bay City , TX | 77414 | $55.2M |
| Castle Hills Branch | San Antonio , TX | 78213 | $53.1M |
| Callaghan Branch | San Antonio , TX | 78229 | $52.5M |
| El Banquito Downtown Branch | Laredo , TX | 78040 | $50.9M |
| East Branch | Eagle Pass , TX | 78852 | $47.2M |
| El Banquito South Branch | Laredo , TX | 78046 | $46.4M |
| Banquito Jacaman Branch | Laredo , TX | 78041 | $42.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 17, 2007 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2004 | Structure Change | Acquired Local Oklahoma Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2002 | Structure Change | Acquired NBC Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1997 | Structure Change | Acquired University Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1996 | Structure Change | Acquired River Valley Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1995 | Structure Change | Acquired Stone Oak National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1995 | Structure Change | Acquired Bank of Corpus Christi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1994 | Structure Change | Acquired First State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 1992 | Structure Change | Acquired Castle Hills National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 25, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 1991 | Structure Change | Acquired Travis Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 21, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1990 | Structure Change | Acquired Valley Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1989 | Structure Change | Acquired International Bank of Commerce, National Association, San An Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for International Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in TX, rank 26 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 12 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2022-Q1 to 2022-Q4. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about International Bank of Commerce
What are International Bank of Commerce's total assets?
As of the Q2 2026 filing, International Bank of Commerce reported total assets of $10.19 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is International Bank of Commerce headquartered?
International Bank of Commerce is headquartered in Laredo, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was International Bank of Commerce founded?
International Bank of Commerce was established in 1966, per the FDIC institution directory.
Is International Bank of Commerce FDIC-insured?
Yes. International Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #19629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates International Bank of Commerce?
International Bank of Commerce's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is International Bank of Commerce's CET1 capital ratio?
International Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 21.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does International Bank of Commerce operate?
International Bank of Commerce operates 80 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is International Bank of Commerce's Texas Ratio?
International Bank of Commerce's Texas Ratio is 8.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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