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1200 San Bernardo Avenue
Laredo, TX 78040

International Bank of Commerce is headquartered in Laredo and is the 6th largest bank in the state of Texas. It is also the 115th largest bank in the nation. It was established in 1966 and as of March of 2016, it had grown to 2,832 employees at 192 locations. International Bank of Commerce has an A health rating.

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Reviews (2)

Not Customer Friendly

Posted by: mistysmart | Jan 8, 2011

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

Posted by: strato | Apr 11, 2012

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 used...so 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!


Health Grade Components

FDIC Certificate #19629
Year Established1966
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD6.27%
Annual Interest Income$81.5MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$9.70B$10.04B
LoansQ1 2016vs Q1 2015$5.20B$5.08B
DepositsQ1 2016vs Q1 2015$7.08B$7.10B
Equity CapitalQ1 2016vs Q1 2015$1.44B$1.39B
Loan Loss AllowanceQ1 2016vs Q1 2015$53.7MM$58.5MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$30.3MM$56.5MM
Real Estate OwnedQ1 2016vs Q1 2015$31.1MM$39.0MM

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International Bank of Commerce has 214 locations. Click to view all International Bank of Commerce locations.