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International Bank Of Commerce
Laredo, TX · FDIC Certificate #19629 · Chartered 09/0
Total assets
$10.19B
Total deposits
$6.63B
Total equity
$2.07B
Net loans
$7.11B
Branches (offices)
80
Net income (YTD)
$140.11M
Rank: #159 of 4,213 U.S. banks by assets · #12 of 346 in Texas. Assets changed 4.8% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.82% |
| Return on equity | 13.85% |
| Net interest margin (YTD) | 4.96% |
| Equity to assets | 20.27% |
| Tier 1 leverage ratio | 19.02% |
| Uninsured deposits (share of deposits) | 40.2% |
| Noncurrent loans (share of loans) | 2.21% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 107.3% |
| Real estate loans (share of loans) | 82.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.87B | 82.6% | |
| Commercial & industrial | $1.30B | 18.2% | |
| Consumer / individual | $37.11M | 0.5% | |
| Construction & development | $1.75B | 24.6% | |
| Agricultural | $4.53M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.25B | $7.01B | $72.43M | $1.37B |
| Jun 2023 | $8.97B | $6.33B | $128.96M | $1.44B |
| Jun 2024 | $8.69B | $6.40B | $122.74M | $1.61B |
| Jun 2025 | $9.73B | $6.57B | $136.90M | $1.82B |
| Jun 2026 | $10.19B | $6.63B | $140.11M | $2.07B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $6.63B | 80 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.63B.
Similar-sized banks
Amerant Bank, National Association ($10.27B) · Origin Bank ($10.18B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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