International Bank of Commerce
Laredo, TX
IDRSSD: 1001152
Total Assets
$9.75B
Latest filing
Total Deposits
$6.55B
Latest filing
Net Interest Margin
5.17%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
International Bank of Commerce
1200 San Bernardo Ave
Laredo, TX 78040
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/02/1966FDIC Certificate 13428
Branches (80)
Page 1 of 12| Name | Address | City / State |
|---|---|---|
| International Bank of Commerce (Main) | 1200 San Bernardo Ave | Laredo, TX |
| KIRBY DR. BRANCH | 5615 Kirby Dr | Houston, TX |
| ALIEF BRANCH | 8203 S Kirkwood Rd | Houston, TX |
| SOUTH SHORELINE BRANCH | 221 S Shoreline Blvd | Corpus Christi, TX |
| STONE OAK BRANCH | 18750 Stone Oak Pkwy | San Antonio, TX |
| 1500 BRANCH | 1500 Ne Loop 410 | San Antonio, TX |
| CASTLE HILLS BRANCH MOTOR BANK | 2101 Nw Military Hwy | San Antonio, TX |
| SINTON DRIVE - THRU | 217 W Sinton St | Sinton, TX |
Showing 7 of 80
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 | 09/02/1966 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 78040 |
| State and County Number | 48479 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | 1,392 |
| Domestic Offices | 81 |
| 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 | 09/02/1966 |
| Primary Insurance Agency | DIF |
| Website | www.ibc.com |
| Data Updated | 01/30/2026 |
| CERT | 19629 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $9.75B |
| Total Deposits | $6.55B |
| Total Liabilities | $7.78B |
| Total Equity Capital | $1.97B |
| Net Income | $73.99M |
| Net Loans and Leases | $6.75B |
| Assets Per Employee ($Millions) | $6.99M |
| Bank Premises and Fixed Assets | $231.25M |
| Cash and Balances due from Depository Institutions | $256.45M |
| Deposits Held in Domestic Offices | $6.55B |
Key Performance Ratios
| Return on Assets (ROA) | 3.02% |
| Return on Equity (ROE) | 15.33% |
| Net Interest Margin | 5.17% |
| Efficiency Ratio | 33.48% |
| Tier 1 Risk-Based Capital Ratio | 20.868% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.211% |
| Earning Assets to total Assets | 89.42% |
Income and Expense
| Total Interest Income | $150.00M |
| Total Noninterest Income | $30.83M |
| Total Interest Expense | $36.15M |
| Total Noninterest Expense | $48.44M |
| Net Interest Income | $113.85M |
| Pre-tax Net Operating Income | $94.52M |
| Provision for Credit Losses | $1.72M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.71M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.75M |
| Federal Funds Purchased and Repurchased Agreement | $1.12B |
| All Other Liabilities | $118.29M |
| Total Liabilities and Capital | $9.75B |
Securities
| Securities | $1.79B |
| Available-for-sale debt securities | $1.78B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of International Bank of Commerce?
$9.75B as of the latest filing.
How much are International Bank of Commerce's total deposits?
$6.55B in total deposits.
Where is International Bank of Commerce located?
Laredo, TX.
What is the Net Interest Margin?
5.17%.
How many domestic offices does it operate?
81.
When was it established?
09/02/1966.
What is the Return on Assets (ROA)?
3.02%.
How much are total loans and leases?
$6.75B (latest filing).
What is the total interest income (latest filing)?
$150.00M.