Commerce Bank
Laredo, TX
IDRSSD: 625159
Total Assets
$736.94M
Latest filing
Total Deposits
$657.88M
Latest filing
Net Interest Margin
2.81%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114909903LAREDO, TX
Key People
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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 01/30/2026Established 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 | 46 |
| 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 | 01/30/2026 |
| CERT | 23772 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $736.94M |
| Total Deposits | $657.88M |
| Total Liabilities | $661.39M |
| Total Equity Capital | $75.55M |
| Net Income | $3.44M |
| Net Loans and Leases | $156.22M |
| Assets Per Employee ($Millions) | $16.02M |
| Bank Premises and Fixed Assets | $10.16M |
| Cash and Balances due from Depository Institutions | $6.43M |
| Deposits Held in Domestic Offices | $657.88M |
Key Performance Ratios
| Return on Assets (ROA) | 1.87% |
| Return on Equity (ROE) | 18.79% |
| Net Interest Margin | 2.81% |
| Efficiency Ratio | 33.33% |
| Tier 1 Risk-Based Capital Ratio | 31.628% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.252% |
| Earning Assets to total Assets | 94.54% |
Income and Expense
| Total Interest Income | $8.04M |
| Total Noninterest Income | $1.66M |
| Total Interest Expense | $3.16M |
| Total Noninterest Expense | $2.18M |
| Net Interest Income | $4.88M |
| Pre-tax Net Operating Income | $4.37M |
| Provision for Credit Losses | $-12,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $50.27M |
| Federal Funds Purchased and Repurchased Agreement | $193.00k |
| All Other Liabilities | $3.32M |
| Total Liabilities and Capital | $736.94M |
Securities
| Securities | $490.23M |
| Available-for-sale debt securities | $487.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$736.94M as of the latest filing.
How much are Commerce Bank's total deposits?
$657.88M in total deposits.
Where is Commerce Bank located?
Laredo, TX.
What is the Net Interest Margin?
2.81%.
How many domestic offices does it operate?
3.
When was it established?
03/31/1982.
What is the Return on Assets (ROA)?
1.87%.
How much are total loans and leases?
$156.22M (latest filing).
What is the total interest income (latest filing)?
$8.04M.