International Bank of Commerce
Total assets
$10.19B
▲ +4.8% YoY
Deposits
$6.63B
▲ +0.9% YoY
Loans
$7.11B
▲ +10.5% YoY
Offices
80
INTERNATIONAL BANCSHARES CORP
ROA (annualized)
2.82%
peers 1.23%
ROE (annualized)
13.85%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.9% | -1.1 pts |
| Deposit growth (YoY) | +0.9% | +5.7% | -4.8 pts |
| Loan growth (YoY) | +10.5% | +6.9% | +3.5 pts |
| ROA | 2.82% | 1.23% | +1.6 pts |
| ROE | 13.8% | 11.2% | +2.6 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
Profile
- Established
- 1966
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- INTERNATIONAL BANCSHARES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1200 San Bernardo Ave, Laredo, TX, 78040
- County
- Webb
- Metro area
- Laredo, TX
- Offices
- 80
- FDIC cert #
- 19629
- RSSD ID
- 1001152
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.19B | $6.63B | $7.11B | $2.07B | $140.1M | 2.82% | 4.96% | 1.58% |
| Q1 2026 | $9.89B | $6.52B | $6.93B | $2.03B | $68.7M | 2.80% | 4.95% | 0.59% |
| Q4 2025 | $9.75B | $6.55B | $6.75B | $1.97B | $281.3M | 2.92% | 5.12% | 0.58% |
| Q3 2025 | $9.85B | $6.55B | $6.67B | $1.89B | $207.3M | 2.88% | 5.08% | 0.73% |
| Q2 2025 | $9.73B | $6.57B | $6.44B | $1.82B | $136.9M | 2.88% | 5.07% | 0.76% |
| Q1 2025 | $9.54B | $6.57B | $6.41B | $1.76B | $67.0M | 2.85% | 5.06% | 0.80% |
| Q4 2024 | $9.26B | $6.39B | $6.32B | $1.74B | $265.7M | 2.91% | 5.30% | 0.85% |
| Q3 2024 | $9.48B | $6.40B | $6.14B | $1.68B | $187.2M | 2.75% | 5.32% | 0.82% |
Loan mix (Q2 2026): real estate $5.87B · commercial $1.30B · consumer $37.1M · securities $1.72B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.82% | 1.23% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.3% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.55% | 91th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.5% | 54.9% | 12th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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