Commerce Bank
Operating from Laredo, TX, Commerce Bank serves its local market as an FDIC-insured commercial bank. Total assets stand at $739M. Returns are notably above industry norms: 1.71% ROA, 16.94% ROE, and 2.78% NIM. Regulatory capital is solid — 30.93% CET1 and 31.95% total risk-based capital ratio. Asset quality is pristine — 0.01% NPLs and a 0.22% Texas Ratio. It operates 3 branches, primarily in Texas.
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
- Fed District
- 13
- Established
- March 31, 1982
- Branches
- 3 domestic
- Employees (FTE)
- 47
- FDIC Cert
- 23772
- Fed RSSD
- 625159
- Website
- www.ibc.com →
- Parent Holding Company
- INTERNATIONAL BANCSHARES CORPORATION (RSSD 1104231)
Capital & Liquidity
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Commerce Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Commerce Bank
What are Commerce Bank's total assets?
As of the Q1 2026 filing, Commerce Bank reported total assets of $738.5 million in its most recent 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 required of all FDIC-insured commercial banks.
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 30.93% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Commerce Bank operate?
Commerce Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Commerce Bank's Texas Ratio?
Commerce Bank's Texas Ratio is 0.22% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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