International Bank of Commerce (Zapata, TX)
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Data as of · sourced from FFIEC call reports. How we update
International Bank of Commerce is an FDIC-insured commercial bank headquartered in Zapata, TX, established in 1984 (FDIC certificate 24961), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $567.8M, up 13.5% from Q2 2025, the 148th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 32.79% 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
- 24961
- Headquarters
- Zapata, TX
- Established
- 1984
- Total assets, Q2 2026
- $567.8M
- Assets vs Q2 2025
- +13.5%
- CET1 ratio, Q2 2026
- 32.79%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 114912709
- Latest call report
- Q2 2026, FFIEC 041 · International Bank of Commerce call report
- Holding company
- INTERNATIONAL BANCSHARES CORPORATION
- Asset rank in state
- 148th of 346 in Texas
International Bank of Commerce carries far more capital than most banks of its size. Its balance sheet stood at $568 million at June 30, 2026, up 13.5% from a year earlier; it is based in Zapata, Texas. It holds common equity equal to 32.79% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.07% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $2.5 million, 38% above the same quarter a year earlier. Unrealized losses on its securities total $22 million, equal to 29% of Tier 1 capital, against 32% a year earlier. Its margin is thin by comparison: it keeps 3.39 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, International Bank of Commerce reported a CET1 capital ratio of 32.79%, a return on assets of 1.82%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, International Bank of Commerce is the 148th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.6% to $567.8M, loans rose 1.1% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.3% of total loans, followed by commercial and industrial loans at 19.9%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in TX; its Zapata office books 53% of its branch deposits. Judged on its Q2 2026 call report, International Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 908 N Us Highway 83, Zapata, TX 78076
- County
- Zapata
- Metro Area
- Zapata, 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
- February 6, 1984
- Former names
- International Bank of Commerce - Zapata (1991-1993)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $457.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $214K
- Average total assets
- $556.2M
- Average total loans
- $140.9M
- Average interest-bearing deposits
- $440.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 1984
- FDIC Cert
- 24961
- Fed RSSD
- 382069
- 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
From Q3 2023 to Q2 2026, International Bank of Commerce's total assets ranged from $464.3M (Q4 2023) to $567.8M (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
$567.8M total assets against $500.3M; $505.0M total liabilities against $442.5M.
$140.4M net loans and leases against $134.2M; $457.0M total deposits against $428.3M.
$380.7M securities against $294.5M; $12.9M cash and balances due against $37.8M.
$6.0M total interest income against $5.4M; $1.6M total interest expense against $1.7M.
$4.4M net interest income against $3.7M.
$2.4M total noninterest income against $2.3M; $3.4M total noninterest expense against $3.4M.
$175K provision for credit losses against $297K.
$2.5M net income against $1.8M.
1.82% return on assets against 1.44%; 3.39% net interest margin against 3.17%.
32.79% CET1 capital ratio against 33.71%; 13.60% tier 1 leverage ratio against 13.98%.
Inside the full International Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeInternational Bank of Commerce rankings
Its closest position to the top of a national ranking is 55 of 2,134, for CET1 ratio; its furthest is 3,019 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.44% (Q2 2025) to 1.82% (Q2 2026) and its net interest margin ran from 2.96% (Q4 2024) to 3.39% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.79% | 1.82% | 0.07% | 0.40% | 3.39% |
| Q1 2026 | 33.14% | 1.74% | 0.17% | 0.75% | 3.25% |
| Q4 2025 | 32.63% | 1.75% | 0.58% | 1.82% | 3.21% |
| Q3 2025 | 31.50% | 1.69% | 0.64% | 2.14% | 3.29% |
| Q2 2025 | 33.71% | 1.44% | 0.11% | 1.04% | 3.17% |
| Q1 2025 | 32.83% | 1.50% | 0.16% | 1.20% | 3.00% |
| Q4 2024 | 32.74% | 1.60% | 0.19% | 1.40% | 2.96% |
| Q3 2024 | 31.16% | 1.62% | 0.18% | 1.39% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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) | Zapata , TX | 78076 | $240.0M |
| Rio Grande City Branch | Rio Grande City , TX | 78582 | $61.3M |
| Roma Branch | Roma , TX | 78584 | $47.5M |
| Rio Grande Walmart Branch | Rio Grande City , TX | 78582 | $28.0M |
| Beeville Branch | Beeville , TX | 78102 | $27.7M |
| Alice Main Street Branch | Alice , TX | 78332 | $19.0M |
| Rio Grande Heb Instore Branch | Rio Grande City , TX | 78582 | $15.5M |
| Kingsville Branch | Kingsville , TX | 78363 | $9.6M |
| Hebbronville Branch | Hebbronville , TX | 78361 | $8.3M |
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 |
|---|---|---|---|
| March 17, 2007 | Structure Change | Acquired State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Deposit market share
- <0.1% of deposits in TX, rank 195 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $337K approved, $169K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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, 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 International Bank of Commerce
What are International Bank of Commerce's total assets?
As of the Q2 2026 filing, International Bank of Commerce reported total assets of $567.8 million in its FFIEC call report.
Where is International Bank of Commerce headquartered?
It is headquartered in Zapata, 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 #24961). 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 32.79% in its Q2 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 9 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 0.40% 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.
What was International Bank of Commerce previously called?
The charter now named International Bank of Commerce has also operated as International Bank of Commerce - Zapata (1991-1993), per FDIC structure-change records.
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