International Bank of Commerce
International Bank of Commerce is headquartered in LAREDO and is the 14th largest bank in the state of Texas. It is also the 166th largest bank in the nation. It was established in 1966 and as of March of 2025, it had grown to 1,405 employees at 81 locations. International Bank of Commerce has an A health rating.
Stay Away From IBC
For eight months now I’ve deposited my payroll checks twice a month. and every time they say a two day hold but it’s a six day hold!! I don’t know about you but I don’t know anyone who can deposit a check on Thursday and wait till next week Wednesday to have access to their funds I wouldn’t recommend this bank to anyone!!!
Run Away Now
Horrible bank! Missed a few payments during china virus and they started foreclosure. Sorry to ruin their party to make a quick million but family gave me the money to pay off loan and say hasta la vista
Closing My Accounts
Closing my accounts. Terrible bank. Puts an unnecessary hold on funds. I'm done with this bank.
Taking Customer's $$$$
All expenses on the account match. However, my balance never does. I check transactions for 6 to 12 months, all posted, so how are we getting different balances? I believe they are dipping into the initial starting balance and playing with numbers, causing overdraft for customers. When I ask IBC, they can't provide me with an answer. I'm closing my checking account. I've never had any problems with Chase checking. For the past 8 years, Chase and I have balanced to the penny. Beware! IBC is cheating customers!
Too Friendly
this bank is too focused on the customer that it's overbearing.
their mind set is great, their skills are lacking. its painful banking with them and the confidence in their ability to execute basic transactions creates anxiety for me when dealing with larger transactions. if your banking needs are low stakes and simple this is your hometown bank. for any active business that has any high stakes action, look elsewhere.
Go Somewhere Else
Allowed fraud to continue on my account AFTER I had notified them my checks were stolen. They refused to freeze my checking account. Horrible service. The drive through clerks shut down ahead of closing and you are just stuck there. Worthless, lazy bank management and employees. AVOID !!!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 19629 |
| Year Established | 1966 |
| Employees | 1405 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.85% |
| Return on Equity - YTD | 15.32% |
| Annual Interest Income | $141.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $9.54B$9.16B |
| Loans | Q1 2025vs Q1 2024 | $6.41B$5.68B |
| Deposits | Q1 2025vs Q1 2024 | $6.57B$6.44B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.76B$1.55B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $109.5MM$99.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $69.2MM$13.9MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $6.9MM$4.4MM |
