BanksINTERNATIONAL BANK OF COMMERCE

INTERNATIONAL BANK OF COMMERCE

LAREDO, TXLargeEst. Sept. 2, 1966, midnightFDIC #19629RSSD #1001152FDIC
Latest · 2025-12-31

INTERNATIONAL BANK OF COMMERCE is an 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%. CET1 capital ratio: 20.87%, well above regulatory minimums. NPL ratio: 0.67% · Texas Ratio: 2.28%. Operates 81 domestic branches.

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 Margin5.05%
Yield on Assets6.65%
Cost of Funds2.21%

Asset Quality

NPL Ratio0.67%
Net Charge-Off Ratio0.03%
Texas Ratio2.28%
NPA Ratio0.49%
ACL / Loans1.64%

Capital & Liquidity

CET1 Ratio20.87%
Tier 1 Capital20.87%
Total Capital Ratio22.12%
Leverage Ratio18.58%
Loan-to-Deposit104.84%

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