International Bank of Commerce (Brownsville, TX)
International Bank of Commerce is an FDIC-insured commercial bank headquartered in Brownsville, TX, supervised by the FDIC, with $4.57B in total assets at Q3 2026, up 5.0% from Q3 2025, the 23rd largest of 345 banks headquartered in Texas. It was established in 1984 and holds FDIC certificate 25679. Its CET1 capital ratio was 30.25% 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
- 25679
- Headquarters
- Brownsville, TX
- Established
- 1984
- Total assets, Q3 2026
- $4.57B
- Assets vs Q3 2025
- +5.0%
- CET1 ratio, Q3 2026
- 30.25%
- Domestic offices
- 41 branches
- Routing number
- 114911580
- 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
- 23rd of 345 in Texas
Problem loans are rising at International Bank of Commerce. It reported $4.6 billion in assets at September 30, 2026, up 5.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 11.75% of loans from 6.15% a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 57 cents). It also pays an average of 1.11% on its deposits and borrowings, about half the median of 2.05% for banks its size.
The commercial and industrial book ($408 million) is worsening: 33.04% of it is past due or on nonaccrual, up from 11.66% a year earlier. The multifamily book ($171 million) is worsening: 29.82% of it is past due or on nonaccrual, up from 27.26% a year earlier. Credit is the area to watch: it carries problem assets equal to 33.9% of the capital and reserves that would absorb them, 8.6 times the median of 3.9% for banks its size.
As of September 30, 2026, International Bank of Commerce reported a CET1 capital ratio of 30.25%, a return on assets of 1.89%, a nonperforming-loan ratio of 11.75% and a Texas ratio of 33.88%. The figures come from its call report filed with the FFIEC.
Of the 345 banks headquartered in Texas, International Bank of Commerce is the 23rd largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 0.1% to $4.57B, loans rose 1.8% and deposits rose 0.3%. Commercial and industrial loans made up 25.4% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.1%. Its 41 offices in the FDIC Summary of Deposits are in 15 cities in TX; its Mcallen 11 offices book 47% of its branch deposits. By the capital ratios in its Q3 2026 call report, International Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1600 Fm 802, Brownsville, TX 78521
- County
- Cameron
- Metro Area
- Brownsville-Harlingen, 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
- October 9, 1984
- Domestic offices
- 41 branches
- Employees (FTE)
- 450
- Domestic deposits
- $3.93B
- Allowance for credit losses
- $40.2M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $4.72B
- Average total loans
- $1.59B
- Average interest-bearing deposits
- $3.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 9, 1984
- FDIC Cert
- 25679
- Fed RSSD
- 230759
- 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
International Bank of Commerce's total assets moved between a low of $3.92B (Q4 2023) and a high of $4.57B (Q3 2026) from Q4 2023 to Q3 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
$4.57B total assets against $4.35B; $4.00B total liabilities against $3.83B.
$1.56B net loans and leases against $1.52B; $3.93B total deposits against $3.76B.
$2.36B securities against $1.82B; $478.3M cash and balances due against $858.5M.
$51.7M total interest income against $52.5M; $14.5M total interest expense against $15.2M.
$37.2M net interest income against $37.2M.
$13.3M total noninterest income against $13.0M; $21.0M total noninterest expense against $17.4M.
$1.3M provision for credit losses against $562K.
$22.3M net income against $25.6M.
1.89% return on assets against 2.31%; 3.26% net interest margin against 3.49%.
30.25% CET1 capital ratio against 26.88%; 14.71% tier 1 leverage ratio against 13.78%.
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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
International Bank of Commerce rankings
Its closest position to the top of a national ranking is 59 of 3,644, for Texas Ratio; its furthest is 548 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.36% (Q2 2026) to 2.40% (Q4 2024) and its net interest margin ran from 3.23% (Q4 2024) to 3.49% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 30.25% | 1.89% | 11.75% | 33.88% | 3.26% |
| Q2 2026 | 28.73% | 1.36% | 9.17% | 26.10% | 3.23% |
| Q1 2026 | 28.79% | 2.04% | 6.10% | 18.79% | 3.28% |
| Q4 2025 | 28.78% | 2.00% | 6.16% | 19.16% | 3.31% |
| Q3 2025 | 26.88% | 2.31% | 6.15% | 20.42% | 3.49% |
| Q2 2025 | 26.95% | 2.08% | 6.18% | 21.30% | 3.47% |
| Q1 2025 | 25.97% | 2.13% | 6.03% | 22.26% | 3.35% |
| Q4 2024 | 26.11% | 2.40% | 6.29% | 23.70% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 41 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 |
|---|---|---|---|
| Main Branch | Mcallen , TX | 78501 | $1.12B |
| International Bank of Commerce (main office) | Brownsville , TX | 78521 | $895.4M |
| La Plaza East Branch | Mcallen , TX | 78503 | $302.3M |
| South Padre Island Branch | South Padre Island , TX | 78597 | $158.8M |
| Four Corners Branch | Brownsville , TX | 78520 | $87.3M |
| La Plaza West Branch | Mcallen , TX | 78502 | $73.9M |
| Hidalgo Bridge Street Branch | Hidalgo , TX | 78557 | $67.1M |
| Sharyland Branch | Mission , TX | 78572 | $61.2M |
| North 10th St Branch | Mcallen , TX | 78501 | $60.3M |
| Banquito 10th Branch | Mcallen , TX | 78501 | $58.4M |
| Jackson and Jackson Branch | Mcallen , TX | 78503 | $58.3M |
| Sunrise Mall | Brownsville , TX | 78521 | $56.5M |
| Palms Crossing Branch | Mcallen , TX | 78501 | $54.8M |
| Weslaco Branch | Weslaco , TX | 78596 | $53.1M |
| Alton Gloor Branch | Brownsville , TX | 78526 | $44.0M |
| Edinburg Branch | Edinburg , TX | 78539 | $43.7M |
| Pharr I Road Branch | Pharr , TX | 78577 | $41.7M |
| Sunshine Branch | Harlingen , TX | 78550 | $39.4M |
| Edinburg University Branch | Edinburg , TX | 78539 | $37.3M |
| Central Blvd. Branch | Brownsville , TX | 78520 | $37.2M |
| Mission Branch | Mission , TX | 78572 | $37.2M |
| Edinburg Branch | Edinburg , TX | 78539 | $36.8M |
| Walmart Mission Branch | Mission , TX | 78572 | $36.1M |
| Walmart Las Tiendas Branch | Mcallen , TX | 78503 | $34.5M |
| Walmart Weslaco Branch | Weslaco , TX | 78599 | $34.3M |
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 |
|---|---|---|---|
| October 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1993 | Structure Change | Acquired International Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action October 24, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 41 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52 applications, 41 loans originated, $31.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $297K approved, $149K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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
- 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 $4.57 billion in its FFIEC call report.
Where is International Bank of Commerce headquartered?
It is headquartered in Brownsville, TX, United States.
When was International Bank of Commerce founded?
It was established in 1984, per the FDIC institution directory.
Is International Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25679). 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 30.25% 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 41 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 33.88% 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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