BanksINTERNATIONAL BANK OF COMMERCE

INTERNATIONAL BANK OF COMMERCE

ZAPATA, TXMediumEst. Feb. 6, 1984, midnightFDIC #24961RSSD #382069FDIC
Latest · 2025-12-31

INTERNATIONAL BANK OF COMMERCE is an 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%. CET1 capital ratio: 32.63%, well above regulatory minimums. NPL ratio: 0.01% · Texas Ratio: 0.39%. Operates 9 domestic branches.

Assets
$512M
Deposits
$438M
Loans
$143M
Equity
$60M

Profitability

Return on Assets (ROA)1.82%
Return on Equity (ROE)15.78%
Net Interest Margin3.36%
Yield on Assets4.82%
Cost of Funds1.58%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio0.40%
Texas Ratio0.39%
NPA Ratio0.05%
ACL / Loans1.68%

Capital & Liquidity

CET1 Ratio32.63%
Tier 1 Capital32.63%
Total Capital Ratio33.75%
Leverage Ratio13.43%
Loan-to-Deposit32.58%

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