International Bank of Commerce
Laredo, Texas, Webb County
$10.2B in total assets, the 164th largest of 4,309 US banks and 13th of 352 headquartered in Texas.
- FDIC certificate
- 19629
- Established
- 1966
- Owned by
- International Bancshares Corp
- Primary regulator
- FDIC
- Website
- www.ibc.com
At a glance
Compared with 11 banks headquartered in Texas with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.2B | 2% | $15.2B | |
| Loans | $7.2B | 27% | $9.3B | |
| Deposits | $6.6B | 2% | $13.3B | |
| Return on assets | 2.88% | 98% | 1.32% | |
| Net interest margin | 4.96% | 98% | 3.52% | |
| Efficiency ratio | 36.5% | 18% | 50.8% | |
| Equity to assets | 20.27% | 98% | 10.75% | |
| Loans to deposits | 109% | 98% | 79% |
Growth
Total assets grew -1.2% a year over the last 5 years and 0.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2007 | Commercial State Bank Sinton, TX | $57M |
| Jun 2004 | Local Oklahoma Bank Oklahoma City, OK | $2.9B |
| Dec 2001 | NBC Bank, National Association Eagle Pass, TX | $600M |
| Nov 1997 | University Bank Houston, TX | $228M |
| Jun 1996 | River Valley Bank, FSB Weslaco, TX | $164M |
| Sep 1995 | Stone Oak National Bank San Antonio, TX | $19M |
| Jan 1995 | Bank of Corpus Christi Corpus Christi, TX | $80M |
| Sep 1994 | First State Bank and Trust Company Port Lavaca, TX | $256M |
| Jun 1992 | Castle Hills National Bank San Antonio, TX | $14M |
| Jun 1991 | Travis Savings and Loan San Antonio, TX | n/a |
| Jun 1991 | Travis Federal Savings and Loan Association San Antonio, TX | $238M |
| Jun 1990 | Valley Federal Savings Association Mcallen, TX | $460M |
| May 1989 | International Bank of Commerce, National Association, San An San Antonio, TX, an affiliate under the same holding company | $68M |
Where they operate
80 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Webb County, TX | $3.0B | 34.2% | 1 of 10 |
| Bexar County, TX | $1.1B | 0.7% | 11 of 50 |
| Harris County, TX | $808M | 0.3% | 28 of 87 |
| Maverick County, TX | $719M | 61.9% | 1 of 3 |
| Travis County, TX | $360M | 0.7% | 16 of 56 |
| Nueces County, TX | $230M | 3.4% | 9 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 107 branches since 2016 (187 to 80, −57.2%). 5 opened, 0 acquired, 112 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 187 | |||
| 2016 | Opened Bee Cave and LeanderClosed 7 in 2 states | 2 | 7 | −5 | 182 |
| 2017 | Sold 49 branches to International Bank of CommerceOpened Laredo and San Antonio, closed 12 in 2 states | 2 | 61 | −59 | 123 |
| 2018 | Closed San Antonio | 0 | 1 | −1 | 122 |
| 2021 | Closed 10 in Texas | 0 | 10 | −10 | 112 |
| 2022 | Sold 29 branches to International Bank of CommerceClosed 3 in Texas | 0 | 32 | −32 | 80 |
| 2023 | Opened Del Rio | 1 | 0 | +1 | 81 |
| 2026 through Q2 | Closed Houston | 0 | 1 | −1 | 80 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 21% | |
| Construction and land | 24% | 7% | |
| Business (C&I) | 18% | 18% | |
| 1-4 family residential | 13% | 22% | |
| Multifamily | 11% | 5% | |
| Farmland | 2% | 1% | |
| Consumer | 1% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 21% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 41% | 66% | |
| Noninterest-bearing | 37% | 24% | |
| Time deposits | 22% | 10% |
Brokered deposits are 0.0% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.21% | 0.70% |
| Net charge-offs, annualized | 0.03% | 0.15% |
| Reserves to loans | 1.56% | 1.17% |
| Leverage ratio | 19.02% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Webb County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/international-bank-commerce-laredo-tx