Headquartered in Brownsville, Texas, International Bank of Commerce is a state-chartered bank with $4.6B in total assets and $3.9B in deposits as of Q2 2026. It operates 41 offices. Its charter dates back to 1984.
International Bank of Commerce has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 272nd. Capital cushion contributes the most (95/100, 14.46%); loan quality contributes the least (0/100, 9.17%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 64 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.21% |
| Q3 2024 | 12.69% |
| Q4 2024 | 13.08% |
| Q1 2025 | 13.52% |
| Q2 2025 | 13.71% |
| Q3 2025 | 13.78% |
| Q4 2025 | 14.17% |
| Q1 2026 | 14.53% |
| Q2 2026 | 14.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.93% |
| Q3 2024 | 3.05% |
| Q4 2024 | 6.29% |
| Q1 2025 | 6.03% |
| Q2 2025 | 6.18% |
| Q3 2025 | 6.15% |
| Q4 2025 | 6.16% |
| Q1 2026 | 6.10% |
| Q2 2026 | 9.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.61% |
| Q3 2024 | 2.56% |
| Q4 2024 | 2.54% |
| Q1 2025 | 2.18% |
| Q2 2025 | 2.16% |
| Q3 2025 | 2.23% |
| Q4 2025 | 2.18% |
| Q1 2026 | 2.07% |
| Q2 2026 | 1.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $4.6B | 14.46% | 9.17% | 1.73% | 39.2% |
| Q1 2026 | 67 | $4.5B | 14.53% | 6.10% | 2.07% | 39.4% |
| Q4 2025 | 66 | $4.4B | 14.17% | 6.16% | 2.18% | 39.6% |
| Q3 2025 | 65 | $4.4B | 13.78% | 6.15% | 2.23% | 40.3% |
| Q2 2025 | 65 | $4.3B | 13.71% | 6.18% | 2.16% | 40.0% |
| Q1 2025 | 64 | $4.3B | 13.52% | 6.03% | 2.18% | 40.5% |
| Q4 2024 | 63 | $4.1B | 13.08% | 6.29% | 2.54% | 38.6% |
| Q3 2024 | 63 | $4.2B | 12.69% | 3.05% | 2.56% | 36.4% |
| Q2 2024 | 62 | $4.0B | 12.21% | 2.93% | 2.61% | 36.5% |
897 peers · $1 billion – $10 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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |
| Texas Exchange BankBank Crowley, TX | 80 out of 100, Strong | $4.5B | 12.4% | 0.00% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| Texas Bank and Trust CompanyBank Longview, TX | 75 out of 100, Strong | $4.3B | 13.1% | 0.61% | vs |
| Inwood National BankBank Dallas, TX | 74 out of 100, Strong | $4.3B | 10.8% | 0.37% | vs |
| Vantage Bank TexasBank San Antonio, TX | 61 out of 100, Moderate | $5.1B | 9.0% | 0.87% | vs |
Deposit insurance
Is my money safe at International Bank of Commerce?
Yes. International Bank of Commerce is an FDIC-insured institution (FDIC certificate #25679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.1% of deposits ($1.2B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.98% (benchmark: 10%).
41 locations
Branches
International Bank of Commerce lists 41 offices in 15 cities. Most locations:
- Mcallen, TX (11)
- Brownsville, TX (7)
- Edinburg, TX (4)
- Mission, TX (4)
- Harlingen, TX (3)
- Pharr, TX (2)
- Weslaco, TX (2)
- Alamo, TX (1)
- Alton, TX (1)
- Hidalgo, TX (1)
- Palmhurst, TX (1)
- Penitas, TX (1)
Identity & history
Profile
- Legal name
- International Bank of Commerce
- Former names
- International Bank of Commerce, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 25679
- RSSD ID
- 230759
- Primary regulator
- FDIC
- Holding company
- International Bancshares Corp
- Established
- October 9, 1984
- Headquarters
- 1600 Fm 802, Brownsville, TX 78521
- Website
- www.ibc.com
- Employees
- 453
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 #25679). 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?
64 out of 100 (Moderate), 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 #25679 in the FDIC failed bank list.
How many branches does International Bank of Commerce have?
41 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brownsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |
| First National Bank of South Padre IslandBank South Padre Island, TX | 84 out of 100, Strong | $78.2M | 14.1% | 1.24% | vs |
| Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX | 83 out of 100, Strong | $6.9M | 31.9% | 0.40% | vs |
| First Community BankBank San Benito, TX | 81 out of 100, Strong | $794.4M | 10.4% | 0.01% | vs |