International Bank of Commerce (Laredo, TX)
International Bank of Commerce is an FDIC-insured commercial bank headquartered in Laredo, TX, supervised by the FDIC, with $9.80B in total assets at Q3 2026, down 0.4% from Q3 2025, the 12th largest of 345 banks headquartered in Texas. It was established in 1966 and holds FDIC certificate 19629. Its CET1 capital ratio was 21.58% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19629
- Headquarters
- Laredo, TX
- Established
- 1966
- Total assets, Q3 2026
- $9.80B
- Assets vs Q3 2025
- -0.4%
- CET1 ratio, Q3 2026
- 21.58%
- Domestic offices
- 80 branches
- Routing number
- 114902528
- Safety and soundness
- Is International Bank of Commerce safe?
- Latest call report
- Q3 2026, FFIEC 041 · International Bank of Commerce call report
- Holding company
- INTERNATIONAL BANCSHARES CORPORATION
- Asset rank in state
- 12th of 345 in Texas
Problem loans are rising at International Bank of Commerce. Its balance sheet stood at $9.8 billion at September 30, 2026; it is based in Laredo, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.28% of loans from 1.02% a year earlier. It earns about $2.71 a year on every $100 of assets, about double the median of $1.32 for the 887 banks with $1 billion to $10 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 57 cents).
Delinquency has appeared in its $1.3 billion commercial and industrial book: 8.35% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 8.4% of the capital and reserves that would absorb them, about double the median of 3.9% for banks its size.
As of September 30, 2026, International Bank of Commerce reported a CET1 capital ratio of 21.58%, a return on assets of 2.71%, a nonperforming-loan ratio of 2.28% and a Texas ratio of 8.36%. The figures come from its call report filed with the FFIEC.
International Bank of Commerce ranks as the 12th largest of the 345 banks based in Texas, by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 3.8% to $9.80B, loans fell 2.7% and deposits rose 2.0%. Construction and land development loans made up 25.2% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.5%. The FDIC Summary of Deposits lists 80 offices for it, in 24 cities in TX; its Laredo 17 offices book 46% of its branch deposits. On its Q3 2026 call report, International Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1200 San Bernardo Ave, Laredo, TX 78040
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 2, 1966
- Domestic offices
- 80 branches
- Employees (FTE)
- 1,411
- Domestic deposits
- $6.76B
- Allowance for credit losses
- $112.4M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $10.54B
- Average total loans
- $7.11B
- Average interest-bearing deposits
- $5.44B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 2, 1966
- FDIC Cert
- 19629
- Fed RSSD
- 1001152
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch International Bank of Commerce: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, International Bank of Commerce's total assets ran between $8.69B (Q2 2024) and $10.19B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$9.80B total assets against $9.85B; $7.76B total liabilities against $7.96B.
$6.92B net loans and leases against $6.67B; $6.76B total deposits against $6.55B.
$1.69B securities against $1.80B; $258.6M cash and balances due against $510.8M.
$149.8M total interest income against $149.6M; $36.1M total interest expense against $37.4M.
$113.7M net interest income against $112.2M.
$30.2M total noninterest income against $29.9M; $53.4M total noninterest expense against $53.0M.
$340K provision for credit losses against $1.1M.
$71.4M net income against $70.4M.
2.71% return on assets against 2.85%; 4.70% net interest margin against 4.95%.
21.58% CET1 capital ratio against 20.30%; 18.91% tier 1 leverage ratio against 18.16%.
Inside the full International Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
International Bank of Commerce rankings
Its closest position to the top of a national ranking is 109 of 3,627, for ROA; its furthest is 264 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 2.71% (Q3 2026) to 3.30% (Q4 2024) and its net interest margin ran from 4.70% (Q1 2026) to 4.96% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 21.58% | 2.71% | 2.28% | 8.36% | 4.70% |
| Q2 2026 | 21.11% | 2.75% | 2.21% | 8.24% | 4.74% |
| Q1 2026 | 21.12% | 2.71% | 0.81% | 3.04% | 4.70% |
| Q4 2025 | 20.87% | 2.94% | 0.79% | 3.02% | 4.96% |
| Q3 2025 | 20.30% | 2.85% | 1.02% | 4.02% | 4.95% |
| Q2 2025 | 20.13% | 2.89% | 1.07% | 4.34% | 4.95% |
| Q1 2025 | 19.46% | 2.83% | 1.06% | 4.62% | 4.91% |
| Q4 2024 | 19.46% | 3.30% | 1.12% | 4.86% | 4.96% |
Swipe the table sideways to see every column.
Branch Network
View all 80 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 |
|---|---|---|---|
| International Bank of Commerce (main office) | Laredo , TX | 78040 | $2.08B |
| Ibc Centre Branch | San Antonio , TX | 78205 | $747.1M |
| Kirby Dr. Branch | Houston , TX | 77005 | $692.5M |
| Eagle Pass Downtown Branch | Eagle Pass , TX | 78852 | $440.0M |
| Main Branch | Austin , TX | 78701 | $315.3M |
| South Shoreline Branch | Corpus Christi , TX | 78401 | $158.8M |
| Plantation Branch | Laredo , TX | 78045 | $145.7M |
| Mall Del Norte No. 1 Branch | Laredo , TX | 78041 | $128.2M |
| Eagle Pass Main Street Branch | Eagle Pass , TX | 78852 | $97.1M |
| Port Lavaca Branch | Port Lavaca , TX | 77979 | $90.6M |
| El Banquito Heights Branch | Laredo , TX | 78040 | $90.1M |
| El Banquito North Branch | Laredo , TX | 78041 | $89.6M |
| San Isidro Branch | Laredo , TX | 78045 | $82.2M |
| Mall De Las Aguilas Branch | Eagle Pass , TX | 78852 | $81.1M |
| Stone Oak Branch | San Antonio , TX | 78258 | $64.3M |
| Alief Branch | Houston , TX | 77072 | $62.9M |
| El Banquito Del Mar Branch | Laredo , TX | 78041 | $62.5M |
| El Banquito Mines Rd Branch | Laredo , TX | 78045 | $60.8M |
| Bay City Branch | Bay City , TX | 77414 | $55.2M |
| Castle Hills Branch | San Antonio , TX | 78213 | $53.1M |
| Callaghan Branch | San Antonio , TX | 78229 | $52.5M |
| El Banquito Downtown Branch | Laredo , TX | 78040 | $50.9M |
| East Branch | Eagle Pass , TX | 78852 | $47.2M |
| El Banquito South Branch | Laredo , TX | 78046 | $46.4M |
| Banquito Jacaman Branch | Laredo , TX | 78041 | $42.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 17, 2007 | Structure Change | Acquired Commercial State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2004 | Structure Change | Acquired Local Oklahoma Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2002 | Structure Change | Acquired NBC Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1997 | Structure Change | Acquired University Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 28, 1996 | Structure Change | Acquired River Valley Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 1995 | Structure Change | Acquired Stone Oak National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1995 | Structure Change | Acquired Bank of Corpus Christi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 1994 | Structure Change | Acquired First State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 1992 | Structure Change | Acquired Castle Hills National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 25, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 1991 | Structure Change | Acquired Travis Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 21, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1990 | Structure Change | Acquired Valley Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1989 | Structure Change | Acquired International Bank of Commerce, National Association, San An Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in TX, rank 26 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,199 applications, 666 loans originated, $228.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 12 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2022-Q1 to 2022-Q4. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 International Bank of Commerce
What are International Bank of Commerce's total assets?
As of the Q3 2026 filing, International Bank of Commerce reported total assets of $9.80 billion in its FFIEC call report.
Where is International Bank of Commerce headquartered?
It is headquartered in Laredo, TX, United States.
When was International Bank of Commerce founded?
It was established in 1966, per the FDIC institution directory.
Is International Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates International Bank of Commerce?
International Bank of Commerce's primary federal regulator is the FDIC.
What is International Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.58% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does International Bank of Commerce operate?
It operates 80 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is International Bank of Commerce's Texas Ratio?
Its Texas Ratio is 8.36% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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