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International Bank of Commerce


ACH Number: 114909505

International Bank of Commerce is an FDIC insured institution headquartered at 1200 San Bernardo Ave, Laredo, TX 78040.
It was founded in 1966 and has approximately $10 billion in assets. Customers can open an account at one of its 148 branches.

Deposit Rates - July 19, 2026

SAVINGS RATES APY MIN
Savings
0.08% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.65% $100,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.75% $100,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.75% $100,000 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
MM RATES APY MIN
Money Market
0.08% $2,500 Compare
Money Market
0.08% $10,000 Compare
Money Market
0.08% $25,000 Compare
PREMM RATES APY MIN
Premium Money Market
0.08% $10,000 Compare
Premium Money Market
0.08% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.08% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19629
Date Established 1966
Assets $ 9.75 billion
Loans $ 6.75 billion
Deposits $ 6.55 billion
Capital $ 1,971.23 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 256.45 million
Interest-bearing balances $ 157.29 million
Total securities $ 1,787.90 million
Federal funds sold and reverse repurchase $ 26.75 million
Net loans and leases $ 6.75 billion
Loan loss allowance $ 112.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.71 million
Goodwill and other intangibles $ 226.52 million
All other assets $ 462.88 million
     Total Assets $ 7.78 billion

LIABILITIES
Total deposits $ 6.55 billion
      Interest-bearing deposits $ 4.03 billion
      Deposits held in domestic offices $ 6.55 billion
      % insured (estimated)" 59.42%
Federal funds purchased and repurchase agreements $ 1,118.82 million
Trading liabilities N.A.
Other borrowed funds $ 425.00 million
Subordinated debt N.A.
All other liabilities $ 79.37 millionn
      Total Liabilities $ 7.78 billion
      Shareholders’ Equity $ 1,971.23 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 586.41 million
Total Interest Expense $ 144.27 million
Net interest income $ 442.14 million
Provision for loan and lease losses $ 4.25 million
Total non interest income $ 117.94 million
Total non interest expense $ 202.58 million
Pre-tax Net Operating Income $ 92.05 million

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