Commerce Bank (Laredo, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank runs leaner than most banks of its size. Its balance sheet stood at $762 million at June 30, 2026; it is based in Laredo, Texas. It spends about 34 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans rose 23.2% and deposits fell 0.1%. Unrealized losses on its securities total $27 million, equal to 29% of Tier 1 capital, against 26% a year earlier.
As of June 30, 2026, Commerce Bank reported a CET1 capital ratio of 29.75%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.07%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5800 San Dario Ave, Laredo, TX 78041
- County
- Webb
- Metro Area
- Laredo, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 31, 1982
- Offices
- 3 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $664.5M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $141K
- Average total assets
- $767.7M
- Average total loans
- $173.3M
- Average interest-bearing deposits
- $645.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 31, 1982
- FDIC Cert
- 23772
- Fed RSSD
- 625159
- SEC CIK
- 315709 → filed by INTERNATIONAL BANCSHARES CORPORATION
- Website
- www.ibc.com →
- Parent Holding Company
- INTERNATIONAL BANCSHARES CORPORATION (RSSD 1104231) · IBOC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dennis E Nixon | CEO | CEO |
| Judith I Wawroski | TREAS | TREASURER/PAO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commerce Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commerce Bank, freeCommerce Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Commerce Bank: CET1 ratio, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.75% | 1.83% | 0.01% | 0.07% | 2.92% |
| Q1 2026 | 30.93% | 1.71% | 0.01% | 0.19% | 2.78% |
| Q4 2025 | 31.63% | 1.82% | 0.01% | 0.23% | 2.69% |
| Q3 2025 | 29.94% | 2.04% | 0.01% | 0.66% | 2.97% |
| Q2 2025 | 38.71% | 1.76% | 0.01% | 0.32% | 2.83% |
| Q1 2025 | 38.56% | 1.86% | 0.01% | 0.56% | 2.89% |
| Q4 2024 | 37.50% | 2.01% | 0.01% | 0.24% | 2.78% |
| Q3 2024 | 37.04% | 1.99% | 0.01% | 1.15% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commerce Bank (main office) | Laredo , TX | 78041 | $556.3M |
| Saunders Avenue Branch | Laredo , TX | 78041 | $86.7M |
| Welby Court Branch | Laredo , TX | 78041 | $21.4M |
Regulatory record
What the public regulatory sources show for Commerce Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 152 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $938K approved, $313K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 159 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Commerce Bank
What are Commerce Bank's total assets?
As of the Q2 2026 filing, Commerce Bank reported total assets of $762.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commerce Bank headquartered?
Commerce Bank is headquartered in Laredo, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commerce Bank founded?
Commerce Bank was established in 1982, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. Commerce Bank is an FDIC-insured commercial bank (FDIC Certificate #23772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commerce Bank?
Commerce Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commerce Bank's CET1 capital ratio?
Commerce Bank reported a Common Equity Tier 1 (CET1) capital ratio of 29.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commerce Bank operate?
Commerce Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commerce Bank's Texas Ratio?
Commerce Bank's Texas Ratio is 0.07% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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