What is International Bank of Commerce's financial health grade?

International Bank of Commerce has a TFS Financial Health Grade of D+ (score: 67.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does International Bank of Commerce have?

International Bank of Commerce has 41 branch locations across the United States.

Is International Bank of Commerce FDIC insured?

Yes, International Bank of Commerce is FDIC insured (Certificate #25679).

What are the total assets of International Bank of Commerce?

International Bank of Commerce has total assets of $4.4B as reported in its most recent FDIC filing.

International Bank of Commerce

BankBrownsville, Texas

www.ibc.com

Total Assets

$4.4B

Total Deposits

$3.8B

Branches

Established

1984

TFS Health Grade

D+

67.5 / 100

Below average financial health

How we grade

International Bank of Commerce is a bank headquartered in Brownsville, Texas, established in 1984. With $4.4B in total assets and 41 branch locations, it has a TFS Financial Health Grade of D+ (67.5/100).

Capital & Safety

Tier 1 Capital Ratio

14.17%(8%)

Total Capital Ratio

30.03%(10%)

Non-Performing Loan Ratio

6.16%

Profitability

Return on Assets (ROA)

2.18%(1%)

Return on Equity (ROE)

18.95%(10%)

Net Interest Margin

3.54%

Efficiency Ratio

35.25%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

39.63%

Net Charge-Off Ratio

0.12%

Growth

Asset Growth (YoY)

+6.71%

Deposit Growth (YoY)

+4.34%

Net Income

$93.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
International Bank of CommerceHQ	1600 Fm 802	Brownsville	TX	11
International Bank of Commerce	1421 W Frontage Rd	Alamo	TX	12
International Bank of Commerce	215 W Main Ave	Alton	TX	12
International Bank of Commerce	3500 W Alton Gloor Blvd	Brownsville	TX	11
International Bank of Commerce	630 E Elizabeth St	Brownsville	TX	11
International Bank of Commerce	1623 Central Blvd	Brownsville	TX	11
International Bank of Commerce	79 E Alton Gloor Blvd	Brownsville	TX	11
International Bank of Commerce	2370 N Expressway	Brownsville	TX	11
International Bank of Commerce	4520 East 14th Street	Brownsville	TX	11
International Bank of Commerce	1724 W University Dr	Edinburg	TX	12
International Bank of Commerce	2205 W University Dr	Edinburg	TX	11
International Bank of Commerce	4104 S Mccoll Rd	Edinburg	TX	12
International Bank of Commerce	400 S Closner Blvd	Edinburg	TX	11
International Bank of Commerce	501 Dixieland Rd	Harlingen	TX	11
International Bank of Commerce	321 S 77 Sunshine Strip	Harlingen	TX	11
International Bank of Commerce	1801 W Lincoln St	Harlingen	TX	11
International Bank of Commerce	1023 S Bridge St	Hidalgo	TX	11
International Bank of Commerce	3600 N 10th St	Mcallen	TX	11
International Bank of Commerce	1 S Broadway St	Mcallen	TX	11
International Bank of Commerce	301 S 10th St	Mcallen	TX	11
International Bank of Commerce	1200 E Jackson Ave	Mcallen	TX	12
International Bank of Commerce	2200 S 10th St	Mcallen	TX	11
International Bank of Commerce	2225 W Nolana Ave	Mcallen	TX	11
International Bank of Commerce	4001 N. 23rd - Wal-Mart	Mcallen	TX	12
International Bank of Commerce	2200 S. 10th St. La Plaza Mall	Mcallen	TX	12
International Bank of Commerce	23rd & Trenton	Mcallen	TX	11
International Bank of Commerce	2900 W Expressway 83	Mcallen	TX	11
International Bank of Commerce	802 S Jackson Rd	Mcallen	TX	11
International Bank of Commerce	2410 East Highway 83	Mission	TX	12
International Bank of Commerce	900 Bryan Road	Mission	TX	11
International Bank of Commerce	121 S Shary Rd	Mission	TX	11
International Bank of Commerce	200 E Griffin Pkwy	Mission	TX	12
International Bank of Commerce	215 E Mile 3 Rd	Palmhurst	TX	11
International Bank of Commerce	1705 Expressway 83	Penitas	TX	12
International Bank of Commerce	401 S Cage Blvd	Pharr	TX	11
International Bank of Commerce	1007 N Veterans Blvd	Pharr	TX	11
International Bank of Commerce	1401 Hwy 100	Port Isabel	TX	12
International Bank of Commerce	100 E. 495	San Juan	TX	12
International Bank of Commerce	911 Padre Blvd	South Padre Island	TX	11
International Bank of Commerce	606 S Texas Blvd	Weslaco	TX	11
International Bank of Commerce	1310 N Texas Blvd	Weslaco	TX	12

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.