INTERNATIONAL BANK OF COMMERCE

BROWNSVILLE, TX | Large | Est. Oct. 9, 1984, midnight | FDIC #25679 | RSSD #230759 | FDIC
Latest Report: 2025-12-31

INTERNATIONAL BANK OF COMMERCE is aln large FDIC-insured commercial bank headquartered in BROWNSVILLE, TX, established in Oct. 9, 1984, midnight. As of 2025-12-31, the bank reported total assets of $4.4B and total deposits of $3.8B. Profitability stands at 2.04% ROA and 16.61% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 28.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.16% and a Texas Ratio of 19.09%. FDIC Certificate #25679.

Assets

$4.4B

Deposits

$3.8B

Loans

$1.5B

Equity

$552M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 16.61%
Net Interest Margin (NIM) 3.55%
Yield on Assets 5.03%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 6.16%
Net Charge-Off Ratio 0.12%
Texas Ratio 19.09%
NPA Ratio 2.53%
ACL / Loans 1.93%

Capital & Liquidity

CET1 Ratio 28.78%
Tier 1 Capital 28.78%
Total Capital Ratio 30.03%
Leverage Ratio 14.17%
Loan-to-Deposit 40.41%

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