International Bank of Commerce (Laredo, TX)

What sets International Bank of Commerce (Laredo, TX) apart

• Few banks of $10 bn to $100 bn report a higher loan-to-deposit ratio than International Bank of Commerce (Laredo, TX), at 107.32% in Q2 2026 against a group median of 85.69%.
• International Bank of Commerce (Laredo, TX) has one of the highest common equity tier 1 (CET1) ratio readings among banks of $10 bn to $100 bn: 21.11% at Q2 2026, against a median of 12.97% across 126 banks.
• At 2.21%, the noncurrent loans to total loans of International Bank of Commerce (Laredo, TX) sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.66%.

How large is International Bank of Commerce (Laredo, TX)?

The balance sheet of International Bank of Commerce (Laredo, TX) at Q2 2026: assets $10.2 bn, deposits $6.6 bn, net loans $7.1 bn (loans equal to 107.32% of deposits). Securities make up 16.9% of total assets at International Bank of Commerce (Laredo, TX). Since Q1 2016, when International Bank of Commerce (Laredo, TX) held $9.7 bn, its assets grew 5.1%. In the year to Q2 2026, deposits at International Bank of Commerce (Laredo, TX) rose 0.9% while its total assets rose 4.8%. At Q2 2026, International Bank of Commerce (Laredo, TX) employed 1,404 full-time equivalent staff across 80 offices, about $7.3 mn of assets per employee and $82.8 mn of deposits per office.

How much funding at International Bank of Commerce (Laredo, TX) is uninsured?

At International Bank of Commerce (Laredo, TX), uninsured deposits (above the FDIC limit) made up 40.24% of domestic deposits at Q2 2026 (+0.30 pp on a year earlier); International Bank of Commerce (Laredo, TX) ranks 182nd of 500 on this measure. In dollars, International Bank of Commerce (Laredo, TX) estimated $2.7 bn of uninsured deposits.

Key facts, Q2 2026

US rank of International Bank of Commerce (Laredo, TX): 1 = highest unless marked 1 = lowest.

The CET1 ratio of International Bank of Commerce (Laredo, TX) stood at 21.11% in Q2 2026, +0.98 pp year on year. Low and high at International Bank of Commerce (Laredo, TX) since Q1 2016: 16.55% (Q1 2016) to 21.12% (Q1 2026). Equity capital of International Bank of Commerce (Laredo, TX) at Q2 2026: $2.1 bn, or 20.3% of total assets. International Bank of Commerce (Laredo, TX) also reported a total capital ratio of 22.36% for Q2 2026, and a tier 1 leverage ratio of 19.02%.

The available-for-sale portfolio of International Bank of Commerce (Laredo, TX) showed an unrealized loss of $128.5 mn at Q2 2026; the loss narrowed by $19.7 mn over the year.

For the year to Q2 2026, International Bank of Commerce (Laredo, TX) earned a return on equity of 13.85%; return on assets: 2.82%. Net interest margin at International Bank of Commerce (Laredo, TX): 4.96%, -0.11 pp in a year. International Bank of Commerce (Laredo, TX) net income: $140.1 mn, up 2.3% year on year. The efficiency ratio of International Bank of Commerce (Laredo, TX) was 36.53%: about 37 cents cost per revenue dollar, against 55 cents at the median peer.

At Q2 2026, noncurrent loans were 2.21% of total loans at International Bank of Commerce (Laredo, TX); net charge-offs: 0.03% of average loans. Gross loans and leases at International Bank of Commerce (Laredo, TX): $7.2 bn, up 10.3% in a year.

The peer group of International Bank of Commerce (Laredo, TX) is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of International Bank of Commerce (Laredo, TX) (state nonmember bank), 4 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Texas. Against them, International Bank of Commerce (Laredo, TX) shows CET1 ratio 21.11% against a peer median of 12.97%, return on equity 13.85% against a peer median of 10.46% and uninsured deposit share 40.24% against a peer median of 43.85%.

No merger or acquisition by International Bank of Commerce (Laredo, TX) appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.