International Bank of Commerce (Brownsville, TX)
International Bank of Commerce (Brownsville, TX) reported total assets of $4.6 bn at Q2 2026, up 5.4% on a year earlier, the 301st largest of 497 banks in our US coverage. The CET1 capital ratio at International Bank of Commerce (Brownsville, TX) was 28.73%. International Bank of Commerce (Brownsville, TX) held deposits of $3.9 bn. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), International Bank of Commerce (Brownsville, TX) slipped from 38th to 175th among 500 US banks between and (1 = highest; FDIC Call Reports).
- International Bank of Commerce (Brownsville, TX) has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 9.17% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- The loan-to-deposit ratio of International Bank of Commerce (Brownsville, TX), 39.20% at , places International Bank of Commerce (Brownsville, TX) in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%; FDIC Call Reports).
What sets International Bank of Commerce (Brownsville, TX) apart
- Few banks of $1 bn to $10 bn report a higher common equity tier 1 (CET1) ratio than International Bank of Commerce (Brownsville, TX), at 28.73% in against a group median of 13.22%.
- International Bank of Commerce (Brownsville, TX) has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 14.46% at , against a median of 10.45% across 339 banks.
- The efficiency ratio of International Bank of Commerce (Brownsville, TX), 38.52% at , places International Bank of Commerce (Brownsville, TX) in the bottom tenth of banks of $1 bn to $10 bn (group median 56.87%).
How large is International Bank of Commerce (Brownsville, TX)?
The balance sheet of International Bank of Commerce (Brownsville, TX) at : assets $4.6 bn, deposits $3.9 bn, net loans $1.5 bn (loans equal to 39.20% of deposits). Securities make up 40.2% of total assets at International Bank of Commerce (Brownsville, TX). Since , when International Bank of Commerce (Brownsville, TX) held $991.1 mn, its assets grew 360.3%. In the year to , deposits at International Bank of Commerce (Brownsville, TX) rose 4.1% while its total assets rose 5.4%. At , International Bank of Commerce (Brownsville, TX) employed 453 full-time equivalent staff across 41 offices, about $10.1 mn of assets per employee and $95.6 mn of deposits per office.
How much funding at International Bank of Commerce (Brownsville, TX) is uninsured?
At International Bank of Commerce (Brownsville, TX), uninsured deposits (above the FDIC limit) made up 30.10% of domestic deposits at (+1.56 pp on a year earlier); International Bank of Commerce (Brownsville, TX) ranks 315th of 500 on this measure. In dollars, International Bank of Commerce (Brownsville, TX) estimated $1.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.9 bn | +4.1% | 291st of 499 |
| Net loans and leases | $1.5 bn | +1.9% | 484th of 500 |
| Loan-to-deposit ratio | 39.20% | -0.85 pp | 482nd of 500 |
| Tier 1 leverage ratio | 14.46% | +0.76 pp | 29th of 500 |
| Total risk-based capital ratio | 29.98% | +1.82 pp | 17th of 448 |
| Net interest margin | 3.37% | -0.18 pp | 328th of 500 |
| Return on assets (ROA) | 1.73% | -0.42 pp | 95th of 500 |
| Efficiency ratio | 38.52% | +3.17 pp | 53rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $120.4 mn | Narrowed by $7.5 mn | |
| Noncurrent loans to total loans | 9.17% | +3.00 pp | 498th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | +0.00 pp | 281st of 500 (1 = lowest) |
US rank of International Bank of Commerce (Brownsville, TX): 1 = highest unless marked 1 = lowest.
Balance sheet
International Bank of Commerce (Brownsville, TX): assets, deposits and loans
- Total assets $4.6bn
- Deposits $3.9bn
- Net loans $1.5bn
Capital and securities
The CET1 ratio of International Bank of Commerce (Brownsville, TX) stood at 28.73% in , +1.78 pp year on year. Low and high at International Bank of Commerce (Brownsville, TX) since : 19.70% () to 28.79% (). Equity capital of International Bank of Commerce (Brownsville, TX) at : $579.2 mn, or 12.7% of total assets. International Bank of Commerce (Brownsville, TX) also reported a total capital ratio of 29.98% for , and a tier 1 leverage ratio of 14.46%.
The available-for-sale portfolio of International Bank of Commerce (Brownsville, TX) showed an unrealized loss of $120.4 mn at ; the loss narrowed by $7.5 mn over the year.
International Bank of Commerce (Brownsville, TX): capital ratios
- Total capital 30%
- CET1 29%
- Tier 1 leverage 14%
International Bank of Commerce (Brownsville, TX): unrealized securities gains and losses
- Available for sale -$120mn
- Held to maturity $0
Profitability and loan quality
For the year to , International Bank of Commerce (Brownsville, TX) earned a return on equity of 13.76%; return on assets: 1.73%. Net interest margin at International Bank of Commerce (Brownsville, TX): 3.37%, -0.18 pp in a year. International Bank of Commerce (Brownsville, TX) net income: $38.9 mn, down 14.7% year on year. The efficiency ratio of International Bank of Commerce (Brownsville, TX) was 38.52%: about 39 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 9.17% of total loans at International Bank of Commerce (Brownsville, TX); net charge-offs: 0.12% of average loans. Gross loans and leases at International Bank of Commerce (Brownsville, TX): $1.6 bn, up 2.7% in a year.
International Bank of Commerce (Brownsville, TX): profitability
- Return on equity 14%
- Net interest margin 3.4%
- Return on assets 1.7%
Peer group of International Bank of Commerce (Brownsville, TX)
The peer group of International Bank of Commerce (Brownsville, TX) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of International Bank of Commerce (Brownsville, TX) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 3 have head offices in Texas. Against them, International Bank of Commerce (Brownsville, TX) shows CET1 ratio 28.73% against a peer median of 15.98%, return on equity 13.76% against a peer median of 12.82% and uninsured deposit share 30.10% against a peer median of 24.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First National Bank Texas | National bank | TX | $4.6 bn | 19.71% | 18.70% | 8.51% | |
| PeoplesBank | State-chartered stock savings bank | MA | $4.6 bn | 12.39% | 4.83% | 26.30% | |
| VeraBank | National bank | TX | $4.6 bn | 17.27% | 14.09% | 29.04% | |
| International Bank of Commerce | State nonmember bank | TX | $4.6 bn | 28.73% | 13.76% | 30.10% | |
| Hingham Institution for Savings | State-chartered stock savings bank | MA | $4.6 bn | 14.69% | 11.55% | 35.83% | |
| First State Community Bank | State nonmember bank | MO | $4.5 bn | 14.35% | 14.93% | 22.97% | |
| Texas Exchange Bank | State nonmember bank | TX | $4.5 bn | 30.06% | 4.95% | 1.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at International Bank of Commerce (Brownsville, TX), to : assets +9.6%, deposits +7.7%, equity +36.4%. Staff 467 to 453.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.2 bn | $4.1 bn | $4.3 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn | $4.6 bn |
| Total deposits | $3.6 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.8 bn | $3.9 bn | $3.9 bn |
| Bank equity capital | $424.7 mn | $425.2 mn | $466.3 mn | $501.4 mn | $524.2 mn | $551.7 mn | $567.4 mn | $579.2 mn |
| CET1 ratio | 25.94% | 26.11% | 25.97% | 26.95% | 26.88% | 28.78% | 28.79% | 28.73% |
| Return on equity (ROE) | 28.16% | 27.22% | 20.46% | 19.66% | 19.81% | 18.95% | 16.50% | 13.76% |
| Uninsured share of domestic deposits | 28.21% | 28.27% | 27.89% | 28.54% | 29.00% | 29.35% | 29.89% | 30.10% |
| Full-time equivalent employees | 467 | 475 | 466 | 469 | 458 | 455 | 464 | 453 |
| Number of offices | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at International Bank of Commerce (Brownsville, TX)
- Total assets at International Bank of Commerce (Brownsville, TX) changed by +144.3% in the quarter to 2021-12-31: Branch Purchased: acquired from International Bank of Commerce.
Questions and identifiers
What were the total assets of International Bank of Commerce (Brownsville, TX)?
International Bank of Commerce (Brownsville, TX) reported $4.6 bn at in its Call Report. That makes International Bank of Commerce (Brownsville, TX) the 301st largest of 497 banks in our US coverage.
Is International Bank of Commerce (Brownsville, TX) the same as its holding company?
No. This page covers International Bank of Commerce (Brownsville, TX), FDIC certificate 25679; INTERNATIONAL BANCSHARES CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is International Bank of Commerce (Brownsville, TX) profitable?
International Bank of Commerce (Brownsville, TX) reported net income of $38.9 mn for the year to ; annualized return on equity: 13.76%. So yes: International Bank of Commerce (Brownsville, TX) made a profit over these months.
When is data for International Bank of Commerce (Brownsville, TX) next updated?
Figures from International Bank of Commerce (Brownsville, TX) for are due after .
Where can I check the figures for International Bank of Commerce (Brownsville, TX)?
In the FDIC BankFind Suite record for certificate 25679, and in the Call Reports of International Bank of Commerce (Brownsville, TX) (RSSD ID 230759) at the FFIEC Central Data Repository.