BanksINTERNATIONAL BANK OF COMMERCE

INTERNATIONAL BANK OF COMMERCE

BROWNSVILLE, TXLargeEst. Oct. 9, 1984, midnightFDIC #25679RSSD #230759FDIC
Latest · 2025-12-31

INTERNATIONAL BANK OF COMMERCE is an 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%. CET1 capital ratio: 28.78%, well above regulatory minimums. NPL ratio: 6.16% · Texas Ratio: 19.09%. Operates 41 domestic branches.

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 Margin3.55%
Yield on Assets5.03%
Cost of Funds1.57%

Asset Quality

NPL Ratio6.16%
Net Charge-Off Ratio0.12%
Texas Ratio19.09%
NPA Ratio2.53%
ACL / Loans1.93%

Capital & Liquidity

CET1 Ratio28.78%
Tier 1 Capital28.78%
Total Capital Ratio30.03%
Leverage Ratio14.17%
Loan-to-Deposit40.41%

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