International Bank of Commerce
Zapata, TX
IDRSSD: 382069
Total Assets
$512.45M
Latest filing
Total Deposits
$438.10M
Latest filing
Net Interest Margin
3.39%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
International Bank of Commerce
908 N Us Highway 83
Zapata, TX 78076
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/06/1984FDIC Certificate 17293
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| International Bank of Commerce (Main) | 908 N Us Highway 83 | Zapata, TX |
| ROMA BRANCH | 1702 E Grant St | Roma, TX |
| RIO GRANDE CITY BRANCH | 4015 E Us Highway 83 | Rio Grande City, TX |
| RIO GRANDE WALMART BRANCH | 4534 E Us Highway 83 | Rio Grande City, TX |
| HEBBRONVILLE BRANCH | 401 N Smith Ave | Hebbronville, TX |
| ALICE MAIN STREET BRANCH | 2001 E Main St | Alice, TX |
| KINGSVILLE BRANCH | 1320 E General Cavazos Blvd | Kingsville, TX |
| RIO GRANDE HEB INSTORE BRANCH | 4031 E Us Highway 83 | Rio Grande City, TX |
Showing 7 of 8
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Zapata National Bank
Zapata, Texas
→
Assets: $83.35MΔ -83.5%
Herring Bank
Amarillo, Texas
→
Assets: $504.49MΔ +0.1%
Liberty Capital Bank
Addison, Texas
→
Assets: $501.17MΔ -0.6%
Citizens Bank
Kilgore, Texas
→
Assets: $499.03MΔ -1.0%
The Brenham National Bank
Brenham, Texas
→
Assets: $489.17MΔ -3.0%
Texas Republic Bank, National Association
Frisco, Texas
→
Assets: $488.66MΔ -3.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/06/1984 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 78076 |
| State and County Number | 48505 |
| 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 | Zapata, TX |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 9 |
| 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 | 02/06/1984 |
| Primary Insurance Agency | DIF |
| Website | www.ibc.com |
| Data Updated | 01/30/2026 |
| CERT | 24961 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $512.45M |
| Total Deposits | $438.10M |
| Total Liabilities | $452.29M |
| Total Equity Capital | $60.16M |
| Net Income | $2.31M |
| Net Loans and Leases | $140.32M |
| Assets Per Employee ($Millions) | $5.63M |
| Bank Premises and Fixed Assets | $13.74M |
| Cash and Balances due from Depository Institutions | $12.33M |
| Deposits Held in Domestic Offices | $438.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.82% |
| Return on Equity (ROE) | 15.78% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 52.12% |
| Tier 1 Risk-Based Capital Ratio | 32.631% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.74% |
| Earning Assets to total Assets | 91.19% |
Income and Expense
| Total Interest Income | $5.64M |
| Total Noninterest Income | $2.41M |
| Total Interest Expense | $1.72M |
| Total Noninterest Expense | $3.30M |
| Net Interest Income | $3.92M |
| Pre-tax Net Operating Income | $2.93M |
| Provision for Credit Losses | $102.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $231.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $31.43M |
| Federal Funds Purchased and Repurchased Agreement | $11.58M |
| All Other Liabilities | $2.61M |
| Total Liabilities and Capital | $512.45M |
Securities
| Securities | $295.54M |
| Available-for-sale debt securities | $292.83M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of International Bank of Commerce?
$512.45M as of the latest filing.
How much are International Bank of Commerce's total deposits?
$438.10M in total deposits.
Where is International Bank of Commerce located?
Zapata, TX.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
9.
When was it established?
02/06/1984.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$140.32M (latest filing).
What is the total interest income (latest filing)?
$5.64M.