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

International Bank of Commerce has a TFS Financial Health Grade of C- (score: 72.2/100). 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 9 branch locations across the United States.

Is International Bank of Commerce FDIC insured?

Yes, International Bank of Commerce is FDIC insured (Certificate #24961).

What are the total assets of International Bank of Commerce?

International Bank of Commerce has total assets of $512.4M as reported in its most recent FDIC filing.

International Bank of Commerce

BankZapata, Texas

www.ibc.com

Total Assets

$512.4M

Total Deposits

$438.1M

Branches

Established

1984

TFS Health Grade

C-

72.2 / 100

Average financial health

How we grade

International Bank of Commerce is a bank headquartered in Zapata, Texas, established in 1984. With $512.4M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C- (72.2/100).

Capital & Safety

Tier 1 Capital Ratio

13.43%(8%)

Total Capital Ratio

33.75%(10%)

Non-Performing Loan Ratio

0.58%

Profitability

Return on Assets (ROA)

1.66%(1%)

Return on Equity (ROE)

14.79%(10%)

Net Interest Margin

3.38%

Efficiency Ratio

54.71%(60%)

Lending & Liquidity

Total Loans

$142.7M

Loan-to-Deposit Ratio

32.03%

Net Charge-Off Ratio

0.41%

Growth

Asset Growth (YoY)

+9.42%

Deposit Growth (YoY)

+8.19%

Net Income

$8.2M

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	908 N Us Highway 83	Zapata	TX	11
International Bank of Commerce	2001 E Main St	Alice	TX	11
International Bank of Commerce	802 E Houston St	Beeville	TX	11
International Bank of Commerce	401 N Smith Ave	Hebbronville	TX	11
International Bank of Commerce	1320 E General Cavazos Blvd	Kingsville	TX	11
International Bank of Commerce	4534 E Us Highway 83	Rio Grande City	TX	12
International Bank of Commerce	4015 E Us Highway 83	Rio Grande City	TX	11
International Bank of Commerce	4031 E Us Highway 83	Rio Grande City	TX	11
International Bank of Commerce	1702 E Grant St	Roma	TX	11

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.