Commerce Bank (Laredo, TX)
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Data as of · sourced from FFIEC call reports. How we update
Commerce Bank is an FDIC-insured commercial bank headquartered in Laredo, TX, established in 1982 (FDIC certificate 23772), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $762.5M, down 0.1% from Q2 2025, the 116th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 29.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23772
- Headquarters
- Laredo, TX
- Established
- 1982
- Total assets, Q2 2026
- $762.5M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 29.75%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 114909903
- Latest call report
- Q2 2026, FFIEC 041 · Commerce Bank call report
- Holding company
- INTERNATIONAL BANCSHARES CORPORATION
- Asset rank in state
- 116th of 346 in Texas
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 0.03% and a Texas ratio of 0.07%. The figures come from its call report filed with the FFIEC.
Commerce Bank ranks as the 116th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $762.5M, loans rose 11.9% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 29.6% of total loans, followed by 1-4 family residential loans at 22.3%. The FDIC Summary of Deposits lists 3 offices for it, in Laredo, TX. On its Q2 2026 call report, Commerce Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 3 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Commerce Bank's total assets moved between a low of $640.5M (Q3 2023) and a high of $763.1M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$762.5M total assets against $763.1M; $683.6M total liabilities against $669.1M.
$192.1M net loans and leases against $155.4M; $664.5M total deposits against $664.9M.
$529.5M securities against $476.7M; $5.2M cash and balances due against $97.1M.
$8.3M total interest income against $8.4M; $2.9M total interest expense against $3.1M.
$5.4M net interest income against $5.3M.
$1.6M total noninterest income against $1.5M; $2.4M total noninterest expense against $2.4M.
$149K provision for credit losses against $94K.
$3.5M net income against $3.4M.
1.83% return on assets against 1.76%; 2.92% net interest margin against 2.83%.
29.75% CET1 capital ratio against 38.71%; 12.28% tier 1 leverage ratio against 14.10%.
Inside the full Commerce Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommerce Bank rankings
Its closest position to the top of a national ranking is 82 of 3,606, for efficiency ratio; its furthest is 3,262 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.71% (Q1 2026) to 2.04% (Q3 2025) and its net interest margin ran from 2.69% (Q4 2025) to 2.97% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.75% | 1.83% | 0.03% | 0.07% | 2.92% |
| Q1 2026 | 30.93% | 1.71% | 0.08% | 0.19% | 2.78% |
| Q4 2025 | 31.63% | 1.82% | 0.10% | 0.23% | 2.69% |
| Q3 2025 | 29.94% | 2.04% | 0.28% | 0.66% | 2.97% |
| Q2 2025 | 38.71% | 1.76% | 0.18% | 0.32% | 2.83% |
| Q1 2025 | 38.56% | 1.86% | 0.30% | 0.56% | 2.89% |
| Q4 2024 | 37.50% | 2.01% | 0.12% | 0.24% | 2.78% |
| Q3 2024 | 37.04% | 1.99% | 0.57% | 1.15% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 152 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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
- 158 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Commerce Bank headquartered?
It is headquartered in Laredo, TX, United States.
When was Commerce Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Commerce Bank FDIC-insured?
Yes. It 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.
What is Commerce Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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