FDIC Cert #19629 · Laredo, Texas · Est. 1966

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.

Compiled from official public sources by the publisher.
$9.8B
Total assets
A
Health grade · Excellent
2.92%
Return on assets
20.9%
Tier 1 capital

Data updated July 2026

The verdict

International Bank of Commerce earns a PlainBankData health grade of A (100/100), with well-capitalized at 20.87% Tier 1, profitable at 2.92% ROA, efficient (36% cost ratio).

#159
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
20.87%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 19629 · TX A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #7/4307
  • PHOTO-FINISH Garden Plain State B… · KS
  • TIER1-WELL 20.9% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-STRONG 2.92% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Garden Plain State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around International Bank of Commerce

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

First Bank of Owasso · OK · …100/100First Kansas Bank · KS · near100/100Garden Plain State B… · KS ·…100/100International Bank o… · TX ·…100/100Morgan Stanley Bank,… · UT ·…100/100Pioneer Trust Bank,… · OR · …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around International Bank of Commerce · July 2026

Call Report read for International Bank of Commerce in a high-failure state

International Bank of Commerce (FDIC Cert #19629) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #7 of 4,307. Tier 1 capital prints at 20.87%, clearing the 10% well-capitalized line. The Texas Ratio is 2.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.92%. Balance-sheet scale is $9.8B, 159th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Garden Plain State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around International Bank of Commerce

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

International Bank of Commerce sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about International Bank of Commerce's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How International Bank of Commerce's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
International Bank of Commerce's composite health score
Tier 1 Capital Ratio (20.87%) 40/40
Return on Assets (ROA) (2.92%) 25/25
Texas Ratio (2.61%) 20/20
Efficiency Ratio (36.17%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$9.8B

Total balance-sheet footings

Total Deposits

$6.5B

Customer-funded liabilities

Net Loans

$6.7B

Outstanding loan book

Net Income

$281M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.47% 20.87% 22.27%
Basel III capital ratios - International Bank of Commerce

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 100/100 falls in the highlighted band.

International Bank of Commerce: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. International Bank of Commerce 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 $9.8B falls in the highlighted band.

Capital & credit buffers at International Bank of Commerce

Tier 1 capital ratio
Well-capitalized 10%

20.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.87%
Texas Ratio
2.61%
Equity Capital
$2.0B

What these ratios mean →

Earnings posture at International Bank of Commerce

Return on Assets (ROA)
98th percentile nationally
2.92%
Return on Equity (ROE)
15.32%
Efficiency Ratio
36.17%

What these mean →

Income & expense at International Bank of Commerce

$586M
Interest Income
$118M
Non-Interest Income
$203M
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 2.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View International Bank of Commerce on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($9.8B here), outside Texas so the neighborhood is not state containment.

Amerant Bank $9.8B · FL The Park National Bank $9.7B · OH Capitol Federal Savings Bank $9.8B · KS Tri Counties Bank $9.8B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) International Bank of Commerce (FDIC Cert #19629) - 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.

International Bank of Commerce Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%