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Overview / Commentary
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 144th largest bank in the nation. It was established in 1966 and as of December of 2017, it had grown to 2,329 employees at 132 locations. International Bank of Commerce has a B+ health rating.

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Reviews (2)

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!

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.


Health Grade Components

FDIC Certificate #19629
Year Established1966
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD8.41%
Annual Interest Income$304.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$8.76B$9.77B
LoansQ4 2017vs Q4 2016$4.68B$5.18B
DepositsQ4 2017vs Q4 2016$5.99B$7.05B
Equity CapitalQ4 2017vs Q4 2016$1.33B$1.44B
Loan Loss AllowanceQ4 2017vs Q4 2016$50.1MM$55.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$43.8MM$23.6MM
Real Estate OwnedQ4 2017vs Q4 2016$23.3MM$25.6MM

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