The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 11 points (80 → 69), mostly because the loan quality component weakened by 38 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Texas

Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #19629). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.2% of deposits ($2.7B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 19.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.36% (benchmark: 10%).

Check how much of your own balance is covered

International Bank of Commerce lists 72 offices in 23 cities. Most locations:

• Laredo, TX (16)
• San Antonio, TX (15)
• Eagle Pass, TX (6)
• Austin, TX (5)
• Corpus Christi, TX (5)
• Houston, TX (5)
• Del Rio, TX (4)
• Aransas Pass, TX (1)
• Bay City, TX (1)
• Bee Cave, TX (1)
• Cedar Park, TX (1)
• Helotes, TX (1)

All branch addresses and map

Legal name

International Bank of Commerce

Former names

Bank of Commerce of Laredo; International Bank of Commerce of Laredo

Type

State-chartered bank

FDIC certificate #

19629

RSSD ID

1001152

Primary regulator

FDIC

Holding company

International Bancshares Corp

Established

September 2, 1966

Headquarters

1200 San Bernardo Ave, Laredo, TX 78040

Website

www.ibc.com

Employees

1,404