INTERNATIONAL BANK OF COMMERCE

ZAPATA, TX | Medium | Est. Feb. 6, 1984, midnight | FDIC #24961 | RSSD #382069 | FDIC
Latest Report: 2025-12-31

INTERNATIONAL BANK OF COMMERCE is amn medium FDIC-insured commercial bank headquartered in ZAPATA, TX, established in Feb. 6, 1984, midnight. As of 2025-12-31, the bank reported total assets of $512M and total deposits of $438M. Profitability stands at 1.82% ROA and 15.78% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 32.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.39%. FDIC Certificate #24961.

Assets

$512M

Deposits

$438M

Loans

$143M

Equity

$60M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 15.78%
Net Interest Margin (NIM) 3.36%
Yield on Assets 4.82%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.40%
Texas Ratio 0.39%
NPA Ratio 0.05%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 32.63%
Tier 1 Capital 32.63%
Total Capital Ratio 33.75%
Leverage Ratio 13.43%
Loan-to-Deposit 32.58%

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