International Bank of Commerce

BankLaredo, Texas
www.ibc.com

Total Assets

$9.8B

Total Deposits

$6.5B

Branches

81

Established

1966

TFS Health Grade

$
B

84.5 / 100

Good financial health

How we grade

International Bank of Commerce is a bank headquartered in Laredo, Texas, established in 1966. With $9.8B in total assets and 81 branch locations, it has a TFS Financial Health Grade of B (84.5/100).

Capital & Safety

Tier 1 Capital Ratio
18.58%(8%)
Total Capital Ratio
22.12%(10%)
Non-Performing Loan Ratio
0.79%

Profitability

Return on Assets (ROA)
2.92%(1%)
Return on Equity (ROE)
15.32%(10%)
Net Interest Margin
5.12%
Efficiency Ratio
36.17%(60%)

Lending & Liquidity

Total Loans
$6.9B
Loan-to-Deposit Ratio
103.12%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+5.35%
Deposit Growth (YoY)
+2.49%
Net Income
$281.3M

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.

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