INTERNATIONAL BANK OF COMMERCE

LAREDO, TX | Large | Est. Sept. 2, 1966, midnight | FDIC #19629 | RSSD #1001152 | FDIC
Latest Report: 2025-12-31

INTERNATIONAL BANK OF COMMERCE is aln large FDIC-insured commercial bank headquartered in LAREDO, TX, established in Sept. 2, 1966, midnight. As of 2025-12-31, the bank reported total assets of $9.8B and total deposits of $6.5B. Profitability stands at 3.02% ROA and 15.33% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 20.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 2.28%. FDIC Certificate #19629.

Assets

$9.8B

Deposits

$6.5B

Loans

$6.9B

Equity

$2.0B

Profitability

Return on Assets (ROA) 3.02%
Return on Equity (ROE) 15.33%
Net Interest Margin (NIM) 5.05%
Yield on Assets 6.65%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.67%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.28%
NPA Ratio 0.49%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 20.87%
Tier 1 Capital 20.87%
Total Capital Ratio 22.12%
Leverage Ratio 18.58%
Loan-to-Deposit 104.84%

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