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International Bank Of Commerce
Brownsville, TX · FDIC Certificate #25679 · Chartered 10/0
Total assets
$4.56B
Total deposits
$3.92B
Total equity
$579.20M
Net loans
$1.54B
Branches (offices)
41
Net income (YTD)
$38.95M
Rank: #304 of 4,213 U.S. banks by assets · #23 of 346 in Texas. Assets changed 5.4% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 13.76% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 12.70% |
| Tier 1 leverage ratio | 14.46% |
| Uninsured deposits (share of deposits) | 30.1% |
| Noncurrent loans (share of loans) | 9.17% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 39.2% |
| Real estate loans (share of loans) | 74.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.14B | 74.5% | |
| Commercial & industrial | $403.64M | 26.3% | |
| Consumer / individual | $21.07M | 1.4% | |
| Construction & development | $331.29M | 21.6% | |
| Agricultural | $1.10M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.98B | $3.67B | $26.44M | $223.27M |
| Jun 2023 | $3.89B | $3.58B | $54.12M | $250.79M |
| Jun 2024 | $4.01B | $3.59B | $51.70M | $357.88M |
| Jun 2025 | $4.33B | $3.76B | $45.64M | $501.44M |
| Jun 2026 | $4.56B | $3.92B | $38.95M | $579.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $3.92B | 41 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.92B.
Similar-sized banks
Verabank, National Association ($4.58B) · Hingham Institution For Savings ($4.56B)
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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