Bank Safety Analysis
Is International Bank of Commerce Safe? Laredo, Texas
Based on its Q3 2026 call report, International Bank of Commerce meets every capital ratio test for well capitalized, its Texas ratio is 8.36%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is International Bank of Commerce safe?
On its Q3 2026 call report, International Bank of Commerce's CET1 ratio is 21.58%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 21.58%
- Tier 1 leverage ratio (Q3 2026): 18.91%
- Texas ratio (Q3 2026): 8.36%
- Noncurrent loans ratio (Q3 2026): 2.28%
International Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #19629). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report International Bank of Commerce (FDIC Certificate #19629) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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International Bank of Commerce meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
The biggest quarter-over-quarter change on this page was a small one: CET1 ratio edged up 0.47 percentage points between Q2 2026 and Q3 2026, to 21.58%. Within Texas, International Bank of Commerce is 51st of 183 on CET1 ratio, 21.58% as of Q3 2026. Against a median of 13.60% for banks in the $1B-10B asset tier, International Bank of Commerce reported 21.58% on CET1 ratio in Q3 2026, 7.98 points higher.
From Q4 2023 to Q3 2026, International Bank of Commerce's CET1 ratio ranged between 18.54% (Q4 2023) and 21.58% (Q3 2026) and its Texas ratio ranged between 1.29% (Q1 2024) and 8.36% (Q3 2026). Between Q3 2025 and Q3 2026, International Bank of Commerce's CET1 ratio rose from 20.30% to 21.58%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.02% to 2.28%, Texas ratio rose from 4.02% to 8.36% and return on assets fell from 2.85% to 2.71%.
By total assets at Q3 2026, International Bank of Commerce is the 12th largest of the 345 banks headquartered in Texas. Construction and land development loans are its largest loan category, $1.77B of $7.03B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, International Bank of Commerce's CET1 ratio of 21.58% is above the 13.60% median, Tier 1 leverage ratio of 18.91% is above the 10.54% median, nonperforming loans ratio of 2.28% is above the 0.54% median, Texas ratio of 8.36% is above the 3.95% median, and efficiency ratio of 37.02% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
International Bank of Commerce's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does International Bank of Commerce score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does International Bank of Commerce trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 21.58% | Within range |
| Texas ratio BankRegReports band | 8.36% | Within range |
| Nonperforming loan ratio BankRegReports band | 2.28% | Within range |
| Uninsured deposit share BankRegReports band | 41.43% | Within range |
| Loan-to-deposit ratio BankRegReports band | 104.08% | Flagged |
| Commercial real estate to capital BankRegReports band | 216.10% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 21.58% |
| Q2 2026 | 21.11% |
| Q1 2026 | 21.12% |
| Q4 2025 | 20.87% |
| Q3 2025 | 20.30% |
| Q2 2025 | 20.13% |
| Q1 2025 | 19.46% |
| Q4 2024 | 19.46% |
| Q3 2024 | 18.84% |
| Q2 2024 | 19.11% |
| Q1 2024 | 18.82% |
| Q4 2023 | 18.54% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 8.36% |
| Q2 2026 | 8.24% |
| Q1 2026 | 3.04% |
| Q4 2025 | 3.02% |
| Q3 2025 | 4.02% |
| Q2 2025 | 4.34% |
| Q1 2025 | 4.62% |
| Q4 2024 | 4.86% |
| Q3 2024 | 4.96% |
| Q2 2024 | 4.30% |
| Q1 2024 | 1.29% |
| Q4 2023 | 3.14% |
Loans by type, Q3 2026
- Construction and land development loans: $1.77B
- Non-owner-occupied commercial real estate loans: $1.65B
- Commercial and industrial loans: $1.27B
- 1-4 family residential loans: $921.9M
- Multifamily loans: $828.6M
- Owner-occupied commercial real estate loans: $428.5M
- Other consumer loans: $30.8M
- All other loans: $6.9M
How have International Bank of Commerce's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $9.80B | 21.58% | 18.91% | 2.28% | 8.36% | 37.02% |
| Jun 30, 2026 | $10.19B | 21.11% | 19.02% | 2.21% | 8.24% | 36.68% |
| Mar 31, 2026 | $9.89B | 21.12% | 19.12% | 0.81% | 3.04% | 36.18% |
| Dec 31, 2025 | $9.75B | 20.87% | 18.58% | 0.79% | 3.02% | 33.39% |
| Sep 30, 2025 | $9.85B | 20.30% | 18.16% | 1.02% | 4.02% | 37.20% |
| Jun 30, 2025 | $9.73B | 20.13% | 17.95% | 1.07% | 4.34% | 37.26% |
| Mar 31, 2025 | $9.54B | 19.46% | 17.84% | 1.06% | 4.62% | 36.52% |
| Dec 31, 2024 | $9.26B | 19.46% | 17.67% | 1.12% | 4.86% | 33.90% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is International Bank of Commerce FDIC insured?
Yes. International Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #19629). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is International Bank of Commerce well capitalized?
On its Q3 2026 call report, International Bank of Commerce's CET1 ratio is 21.58%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are International Bank of Commerce's key safety ratios?
For Q3 2026, International Bank of Commerce reports CET1 21.58%, leverage 18.91%, Texas ratio 8.36%, noncurrent loans 2.28%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if International Bank of Commerce fails?
For Q3 2026, International Bank of Commerce reported $6.76B in total deposits, 41.43% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full International Bank of Commerce profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
International Bank of Commerce fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 19629) · FFIEC NIC profile (RSSD 1001152)
Explore: Full International Bank of Commerce profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.