Commerce Bank
Laredo, TX
IDRSSD: 625159
Total Assets
$736.50M
Latest filing
Total Deposits
$661.00M
Latest filing
Net Interest Margin
3.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Commerce Bank
5800 San Dario Ave
Laredo, TX 78041
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/31/1982FDIC Certificate 16617
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commerce Bank (Main) | 5800 San Dario Ave | Laredo, TX |
| WELBY COURT BRANCH | 1200 Welby Ct | Laredo, TX |
| SAUNDERS AVENUE BRANCH | 2120 E Saunders St | Laredo, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/31/1982 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 78041 |
| State and County Number | 48479 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Laredo, TX |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/30/2022 |
| Date of Deposit Insurance | 03/31/1982 |
| Primary Insurance Agency | DIF |
| Website | www.ibc.com |
| Data Updated | 11/14/2025 |
| CERT | 23772 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $736.50M |
| Total Deposits | $661.00M |
| Total Liabilities | $665.61M |
| Total Equity Capital | $70.89M |
| Net Income | $3.99M |
| Net Loans and Leases | $155.68M |
| Assets Per Employee ($Millions) | $16.01M |
| Bank Premises and Fixed Assets | $9.03M |
| Cash and Balances due from Depository Institutions | $7.47M |
| Deposits Held in Domestic Offices | $661.00M |
Key Performance Ratios
| Return on Assets (ROA) | 2.13% |
| Return on Equity (ROE) | 19.38% |
| Net Interest Margin | 3.16% |
| Efficiency Ratio | 33.04% |
| Tier 1 Risk-Based Capital Ratio | 29.939% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.625% |
| Earning Assets to total Assets | 94.44% |
Income and Expense
| Total Interest Income | $8.86M |
| Total Noninterest Income | $1.64M |
| Total Interest Expense | $3.26M |
| Total Noninterest Expense | $2.39M |
| Net Interest Income | $5.60M |
| Pre-tax Net Operating Income | $5.04M |
| Provision for Credit Losses | $-190,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $63.25M |
| Federal Funds Purchased and Repurchased Agreement | $184.00k |
| All Other Liabilities | $4.43M |
| Total Liabilities and Capital | $736.50M |
Securities
| Securities | $476.63M |
| Available-for-sale debt securities | $473.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $175.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commerce Bank?
$736.50M as of the latest filing.
How much are Commerce Bank's total deposits?
$661.00M in total deposits.
Where is Commerce Bank located?
Laredo, TX.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
3.
When was it established?
03/31/1982.
What is the Return on Assets (ROA)?
2.13%.
How much are total loans and leases?
$155.68M (latest filing).
What is the total interest income (latest filing)?
$8.86M.