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1200 San Bernardo Avenue
Laredo, TX 78040

International Bank of Commerce is headquartered in Laredo and is the 8th largest bank in the state of Texas. It is also the 107th largest bank in the nation. It was established in 1966 and as of March of 2014, it had grown to 2,850 employees at 195 locations. International Bank of Commerce has a A+ health rating.

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Reviews (2)

Not Customer Friendly

Known as IBC, this bank is not customer friendly or understanding at all regarding fees. I had an Internet company charged a 350 charge to my account by mistake. I called them and they apoligized telling me they realized the mistake and cancelled the charge immediately. However, they couldnt remove the authorization. IBC banks response was to charge me overdraft fees on everything even though the charge was pending. THEY NEVER PAID THE CHARGE. When the charge feel off, I still had 270 in over draft fees PENDING. Through all of this, and 26 $28 od fees later, my bank account never showed a negative balance from charges, only 11 od fees later did my account go negative. Never had i heard of a bank charging od fees for pending items. Never had i heard of a bank charging od fees for unauthorized charges. The banks response was it was not a mistake of theirs and they refused to return any of the fees. I couldn't even file a reg-e claim, which would have forced the bank to return the fees, because there was no charge TAKEN.

Bad Customer Service

I am a merchant and just spent over 2 hours talking to 6 representatives trying to have an authorization charge removed from a customer's account (an authorization that we will not be using).  I have done this countless times with other banks/card issuers and have NEVER had a problem but this was not the case with IBC.  They will not remove an authorization charge, period, not even with a fax on the company letterhead stating that the authorization will not be basically the customer has to wait for the authorization to expire, which was quoted to be 3-5 days.  This is very dissatisfying when every other bank/card issuer has NO problem doing this.  If I was the customer I would be extremely unhappy, and I would warn any potential customers to be weary of IBC.  See the review below as well!


Data for Q1 2014

International Bank of Commerce consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

19629 - International Bank of Commerce
25679 - International Bank of Commerce
23772 - Commerce Bank
24961 - International Bank of Commerce

Institution Health

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 International Bank of Commerce had $98.62 million in non-current loans and owned real-estate with $1.31 billion in equity and loan loss allowances on hand to cover it. This gives International Bank of Commerce a Texas Ratio of 7.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for International Bank of Commerce decreased dramatically from 11.19% as of March 31, 2013 to 7.54% as of March 31, 2014, resulting in a positive change of 32.65%.This indicates that the balance sheet and financial strength for International Bank of Commerce has improved dramatically in recent periods.

Deposit Growth


In the past year, International Bank of Commerce has increased its total deposits by $122.21 million, resulting in 1.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth International Bank of Commerce has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. International Bank of Commerce has $9.94 billion in assets with $1.31 billion in equity, resulting in a capitalization level of 13.16%, which is excellent.

Institution Statistics

FDIC Certificate #19629
Year Established1966
Primary RegulatorFDIC
Assets and Liabilities
Assets$9.94 billion
Loans$4.60 billion
Deposits$6.94 billion
Equity Capital$1.25 billion
Loan Loss Allowance$62.74 million
Unbacked Noncurrent Loans$54.71 million
Real Estate Owned$43.91 million
Historic Data - March 2013
Assets$9.49 billion
Equity Capital$1.22 billion
Loan Loss Allowance$54.29 million
Unbacked Noncurrent Loans$54.71 million
Real Estate Owned$66.15 million
Profit Margin - Quarterly
Return on Assets1.37%
Return on Equity11.1%
Interest Income$81.39 million

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International Bank of Commerce has 226 locations. Click to view all International Bank of Commerce locations.