Total Assets
$4.4B
Total balance-sheet footings
FDIC Cert #25679 · Brownsville, Texas · Est. 1984
International Bank of Commerce - FDIC Bank Health Profile
A community-scale look at International Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.4B
- Total assets
- A
- Health grade · Excellent
- 2.18%
- Return on assets
- 28.8%
- Tier 1 capital
Data updated July 2026
The verdict
International Bank of Commerce earns a PlainBankData health grade of A (90/100), with well-capitalized at 28.78% Tier 1, profitable at 2.18% ROA, efficient (35% cost ratio).
- #323
- largest of 4,313 FDIC banks by assets
- 93rd
- percentile by asset size, nationally
- 28.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How International Bank of Commerce's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
International Bank of Commerce's composite health score
Tier 1 Capital Ratio (28.78%) 40/40
Return on Assets (ROA) (2.18%) 25/25
Texas Ratio (16.19%) 10/20
Efficiency Ratio (35.25%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.8B
Customer-funded liabilities
Net Loans
$1.5B
Outstanding loan book
Net Income
$94M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where International Bank of Commerce ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. International Bank of Commerce's score of 90/100 falls in the highlighted band.
International Bank of Commerce's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). International Bank of Commerce's $4.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
28.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
28.78%
Texas Ratio
16.19%
Equity Capital
$552M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.18%
Return on Equity (ROE)
18.95%
Efficiency Ratio
35.25%
What the numbers say about International Bank of Commerce
International Bank of Commerce is an FDIC-insured institution (Certificate #25679) headquartered in Brownsville, Texas, established in 1984. It holds $4.4B in total assets - 323rd of 4,313 FDIC-insured banks, $3.8B in customer deposits, and $1.5B in net loans. Looking at capital strength, Tier 1 stands at 28.78%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 16.19%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (90/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
International Bank of Commerce's asset base places it among the largest FDIC-insured institutions in the country, 323rd of 4,313 nationally, and 26th of 350 banks headquartered in Texas. Only VeraBank ($4.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$203M
Interest Income
$50M
Non-Interest Income
$68M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. International Bank of Commerce reports a Texas Ratio of 16.19% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) International Bank of Commerce (FDIC Cert #25679) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is International Bank of Commerce's health grade?▼
International Bank of Commerce receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is International Bank of Commerce?▼
International Bank of Commerce holds $4.4B in total assets and $3.8B in deposits, ranking 323rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Brownsville, Texas.
Is my money safe at International Bank of Commerce?▼
Yes, deposits at International Bank of Commerce (Certificate #25679) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is International Bank of Commerce's Tier 1 Capital Ratio?▼
International Bank of Commerce has a Tier 1 Capital Ratio of 28.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for International Bank of Commerce?▼
International Bank of Commerce has a Texas Ratio of 16.19%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is International Bank of Commerce?▼
International Bank of Commerce has an Efficiency Ratio of 35.25%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read International Bank of Commerce's profile as a depositor or analyst.
- International Bank of Commerce's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare International Bank of Commerce against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.