TellerScore

International Bank of Commerce (FDIC certificate #24961) is based in Zapata, Texas. Its Q2 2026 call report shows $567.8M in total assets and $457.0M in deposits and 9 offices.

Based on its Q2 2026 filing, International Bank of Commerce scores 93/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 9th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (86/100; 13.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.60%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings93/100
Return on assets (annualized): 1.81%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 30.7% · 21.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.37%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (91 → 93), mostly because the earnings component improved by 12 points.

TellerScore
858993Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202489
Q4 202490
Q1 202591
Q2 202591
Q3 202585
Q4 202586
Q1 202692
Q2 202693
Tier 1 leverage ratio
5.00%9.49%13.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.80%
Q3 202413.22%
Q4 202413.44%
Q1 202513.74%
Q2 202513.98%
Q3 202513.24%
Q4 202513.43%
Q1 202613.71%
Q2 202613.60%
Noncurrent loans
0.07%0.36%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.18%
Q4 20240.19%
Q1 20250.16%
Q2 20250.11%
Q3 20250.64%
Q4 20250.58%
Q1 20260.17%
Q2 20260.07%
Return on assets
1.53%1.67%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.63%
Q4 20241.65%
Q1 20251.58%
Q2 20251.53%
Q3 20251.61%
Q4 20251.66%
Q1 20261.79%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$567.8M13.60%0.07%1.81%30.7%
Q1 202692$527.5M13.71%0.17%1.79%30.8%
Q4 202586$512.4M13.43%0.58%1.66%32.0%
Q3 202585$504.2M13.24%0.64%1.61%32.6%
Q2 202591$500.3M13.98%0.11%1.53%31.3%
Q1 202591$492.3M13.74%0.16%1.58%31.9%
Q4 202490$468.3M13.44%0.19%1.65%33.1%
Q3 202489$479.3M13.22%0.18%1.63%32.3%
Q2 202490$475.1M13.80%0.31%1.61%32.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio13.60%
79th
Total risk-based capital33.83%
97th
Problem loans0.07%
76th
Net charge-offs0.30%
8th
Return on assets1.81%
81st
Net interest margin3.44%
25th
Efficiency ratio51.3%
80th
Loans to deposits30.7%
98th
Uninsured deposits21.1%
61st
Loan-loss reserves1.66%
86th
Texas ratio0.4%
80th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Bank, N.A.Bank Fort Worth, TX83 out of 100, Strong$569.1M12.8%0.00%vs
First Commercial Bank, National AssociationBank Seguin, TX73 out of 100, Strong$565.9M10.3%0.45%vs
The Karnes County National Bank of Karnes CityBank Karnes City, TX46 out of 100, Below average$577.4M10.8%2.15%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
Texas Traditions BankBank Katy, TX69 out of 100, Moderate$555.9M9.4%0.00%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs

Deposit insurance

Is my money safe at International Bank of Commerce?

Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #24961). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.1% of deposits ($96.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.83% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

International Bank of Commerce lists 9 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
International Bank of Commerce
Former names
International Bank of Commerce, National Association of Zapata, Texas; International Bank of Commerce - Zapata
Type
State-chartered bank
FDIC certificate #
24961
RSSD ID
382069
Primary regulator
FDIC
Holding company
International Bancshares Corp
Established
February 6, 1984
Headquarters
908 N Us Highway 83, Zapata, TX 78076
Employees
89

Quick answers

International Bank of Commerce: common questions

Is International Bank of Commerce FDIC insured?

Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #24961). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is International Bank of Commerce's TellerScore?

93 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has International Bank of Commerce ever failed?

There is no failure record for FDIC certificate #24961 in the FDIC failed bank list.

How many branches does International Bank of Commerce have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Zapata

InstitutionScoreAssetsCapitalProblem loansCompare
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas National BankBank Mcallen, TX70 out of 100, Strong$1.2B10.2%0.28%vs