International Bank Of Commerce Mortgage Rates, Fees & Info

Laredo, TX

LEI: 5493005GNZ6EJFS7LM83

Tax ID: 74-1541057

3.3 stars - out of 5 stars, based on 40 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

International Bank Of Commerce is a smaller bank specializing in Home Purchase loans. International Bank Of Commerce has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Austin, Houston, Dallas, San Antonio, and Mcallen among others. International Bank Of Commerce has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. International Bank Of Commerce is typically an average fee lendor.


Originations

1,619

Origination Dollar Volume (All Markets)

$394,575,000

Employee count

1,380

Awards

International Bank of Commerce 30 Year Conventional Loans silver International Bank of Commerce 30 Year Conventional Loans silver International Bank of Commerce 30 Year Conventional Loans silver
Show all (3) awards

Relative Rate

International Bank Of Commerce's average 30 year fixed rate mortgage of loans were 3.55%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.4%.

Relative Fees

International Bank Of Commerce's average total fees for a 30 year fixed rate mortgage are $5,197.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 239 $133,425,000 $558,264 $1,261 5.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 422 $80,910,000 $191,730 $912 5.33%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 402 $47,680,000 $118,607 $645 5.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 138 $34,530,000 $250,217 $2,080 4.71%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 86 $22,500,000 $261,628 $3,517 4.20%
LAREDO, TX (FHA|USDA|VA) 70 $18,660,000 $266,571 $4,128 3.72%
CORPUS CHRISTI, TX (FHA|USDA|VA) 15 $9,615,000 $641,000 $4,011 4.17%
Outside of Metro Areas 31 $9,165,000 $295,645 $2,291 5.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 42 $8,940,000 $212,857 $3,646 3.99%
TULSA, OK (FHA|USDA|VA) 34 $6,430,000 $189,118 $4,032 3.81%
Glenwood Springs, CO (FHA|USDA|VA) 1 $4,405,000 $4,405,000 $0 4.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 33 $4,155,000 $125,909 $2,796 4.02%
Rockport, TX (FHA|USDA|VA) 6 $1,290,000 $215,000 $2,400 4.85%
MIDLAND, TX (FHA|USDA|VA) 8 $1,270,000 $158,750 $694 5.47%
Athens, TX (FHA|USDA|VA) 5 $875,000 $175,000 $1,008 6.04%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 7 $835,000 $119,286 $944 5.23%
Rio Grande City-Roma, TX (FHA|USDA|VA) 4 $710,000 $177,500 $5,347 3.75%
Raymondville, TX (FHA|USDA|VA) 1 $675,000 $675,000 $7,370 4.00%
Eagle Pass, TX (FHA|USDA|VA) 7 $605,000 $86,429 $2,323 4.41%
Duncan, OK (FHA|USDA|VA) 6 $580,000 $96,667 $3,379 3.85%
EL PASO, TX (FHA|USDA|VA) 4 $560,000 $140,000 $455 5.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $485,000 $485,000 $0 3.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $445,000 $89,000 $528 5.20%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $435,000 $435,000 $3,782 3.38%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $415,000 $138,333 $579 5.75%
TYLER, TX (FHA|USDA|VA) 2 $410,000 $205,000 $665 5.12%
Brenham, TX (FHA|USDA|VA) 3 $325,000 $108,333 $449 5.66%
WACO, TX (FHA|USDA|VA) 4 $310,000 $77,500 $465 5.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $305,000 $305,000 $447 4.75%
ODESSA, TX (FHA|USDA|VA) 2 $280,000 $140,000 $2,323 4.19%
VICTORIA, TX (FHA|USDA|VA) 3 $275,000 $91,667 $1,632 4.79%
Port Lavaca, TX (FHA|USDA|VA) 2 $250,000 $125,000 $4,058 4.31%
Fredericksburg, TX (FHA|USDA|VA) 2 $240,000 $120,000 $519 5.74%
Bay City, TX (FHA|USDA|VA) 2 $240,000 $120,000 $3,244 4.25%
Huntsville, TX (FHA|USDA|VA) 2 $200,000 $100,000 $550 5.37%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $180,000 $90,000 $459 5.00%
Weatherford, OK (FHA|USDA|VA) 2 $180,000 $90,000 $4,810 3.81%
Corsicana, TX (FHA|USDA|VA) 2 $160,000 $80,000 $452 5.87%
Granbury, TX (FHA|USDA|VA) 2 $150,000 $75,000 $711 5.69%
Miami, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,707 2.88%
Ardmore, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,990 2.75%
Stillwater, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,325 3.13%
Beeville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $465 5.24%
LONGVIEW, TX (FHA|USDA|VA) 1 $105,000 $105,000 $677 6.00%
SAN ANGELO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $697 5.25%
Brownwood, TX (FHA|USDA|VA) 1 $105,000 $105,000 $485 6.24%
Del Rio, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,729 3.50%
Jacksonville, TX (FHA|USDA|VA) 1 $85,000 $85,000 $447 5.50%
Bonham, TX (FHA|USDA|VA) 1 $75,000 $75,000 $829 5.88%
ENID, OK (FHA|USDA|VA) 1 $65,000 $65,000 $2,902 3.50%
Muskogee, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,945 3.63%
El Campo, TX (FHA|USDA|VA) 1 $55,000 $55,000 $522 5.25%
Zapata, TX (FHA|USDA|VA) 1 $55,000 $55,000 $4,246 2.75%
Kingsville, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.50%
McAlester, OK (FHA|USDA|VA) 1 $35,000 $35,000 $722 6.24%
Kerrville, TX (FHA|USDA|VA) 1 $35,000 $35,000 $452 4.99%

International Bank Of Commerce's top markets include Austin, Houston, Dallas, San Antonio, and Mcallen among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,592 $388,840,000 $244,246 $1,363 5.02%
FHA 24 $5,280,000 $220,000 $8,117 3.17%
VA 3 $455,000 $151,667 $3,274 3.29%

For the 2021 period, International Bank Of Commerce's most frequently originated loan type of loans were Conventional, with 1,592 originations. Their 2nd most popular type is FHA, with 24 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,151 $304,335,000 $264,409 $1,302 5.11%
Refi 347 $71,255,000 $205,346 $1,627 4.77%
Cash Out Refi 73 $12,945,000 $177,329 $3,346 4.17%
Home Improvement 28 $3,200,000 $114,286 $553 5.35%
Other 20 $2,840,000 $142,000 $2,729 4.33%

For the 2021, International Bank Of Commerce's most frequently cited loan purpose of loans were Home Purchase, with 1,151 originations. The 2nd most popular reason of loans were Refi, with 347 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
15 Year 945 $118,325,000 $125,212 $842 5.20%
20 Year 309 $33,115,000 $107,168 $768 5.64%
30 Year 238 $63,250,000 $265,756 $5,197 3.55%
10 Year 59 $5,865,000 $99,407 $1,150 4.59%
5 Year 32 $20,400,000 $637,500 $0 4.59%
Other 32 $148,200,000 $4,631,250 $0 4.36%
3 Year 3 $1,915,000 $638,333 $0 4.67%
1 Year 1 $3,505,000 $3,505,000 $0 4.25%

For the 2021, International Bank Of Commerce's most frequently cited loan length of loans were 15 Year, with 945 originations. The 2nd most popular length of loans were 20 Year, with 309 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,262 $148,340,000 $117,544
$1k-2k 198 $45,350,000 $229,040
$2k-3k 35 $9,515,000 $271,857
$3k-4k 22 $9,110,000 $414,091
$5k+ 6 $3,060,000 $510,000

$5,197 of loans were International Bank Of Commerce's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,262 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
5-6% 1,010 $117,730,000 $116,564
4-5% 249 $68,205,000 $273,916
3-4% 223 $181,105,000 $812,130
2.5-3% 78 $17,620,000 $225,897
6-7% 38 $4,180,000 $110,000
<2.5% 17 $5,235,000 $307,941
7-8% 4 $500,000 $125,000

During 2021, International Bank Of Commerce's average interest rate of loans were 3.55%, while their most frequently originated rate bucket of loans were 5-6%, with 1,010 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 656 $43,770,000 $66,723 $786 5.27%
$100k-200k 620 $86,760,000 $139,935 $1,193 5.12%
$200k-400k 277 $72,525,000 $261,823 $2,960 4.36%
$400k-600k 35 $17,165,000 $490,429 $5,825 3.38%
$1MM+ 21 $166,705,000 $7,938,333 $17,126 4.05%
$600k-1MM 10 $7,650,000 $765,000 $9,027 4.11%

2021 saw International Bank Of Commerce place emphasis on $100,000 or less loans with 656 originations, totaling $43,770,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$150k-250k 590 $80,600,000 $136,610 $996 5.26%
$250k+ 545 $84,725,000 $155,459 $933 5.30%
$100k-150k 188 $24,520,000 $130,426 $1,897 4.87%
$50k or less 89 $9,345,000 $105,000 $3,334 3.94%
$50k-75k 72 $11,970,000 $166,250 $3,722 3.80%
$75k-100k 54 $8,750,000 $162,037 $3,746 4.00%

International Bank Of Commerce lent most frequently to those with incomes in the $150k-250k range, with 590 originations. The second most popular income band? $250k+, with 545 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 323 $40,895,000 $126,610 $1,164 5.12%
20-30% 309 $44,385,000 $143,641 $1,516 4.96%
<20% 115 $18,405,000 $160,043 $1,708 4.87%
42% 96 $13,860,000 $144,375 $1,414 5.14%
38% 74 $10,930,000 $147,703 $1,276 5.09%
44% 72 $10,330,000 $143,472 $1,548 5.14%
41% 71 $9,825,000 $138,380 $1,517 5.04%
43% 71 $10,655,000 $150,070 $1,693 4.82%
45% 67 $9,235,000 $137,836 $1,099 5.25%
39% 67 $9,065,000 $135,299 $1,386 5.07%
46% 65 $8,945,000 $137,615 $1,101 5.15%
40% 63 $9,845,000 $156,270 $1,584 4.97%
36% 59 $8,135,000 $137,881 $998 5.15%
37% 54 $6,510,000 $120,556 $896 5.21%
49% 16 $3,320,000 $207,500 $4,995 3.61%
47% 12 $2,930,000 $244,167 $4,872 3.67%
48% 10 $1,910,000 $191,000 $5,872 3.55%
50-60% 4 $810,000 $202,500 $7,575 3.44%

International Bank Of Commerce lent most frequently to those with DTI ratios of 30-36%, with 323 originations. The next most common DTI ratio? 20-30%, with 309 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not applicable 53 $167,075,000 $3,152,358 $0 4.42%
White 1,128 $163,120,000 $144,610 $1,505 4.99%
Not provided 163 $26,935,000 $165,245 $1,800 5.02%
Asian 187 $26,115,000 $139,652 $1,024 5.08%
Black 56 $7,510,000 $134,107 $1,265 5.31%
American Indian 15 $2,115,000 $141,000 $3,076 4.01%
Asian Indian 10 $1,000,000 $100,000 $613 5.47%
Native Hawaiian 3 $295,000 $98,333 $600 5.58%
Other Asian 2 $210,000 $105,000 $532 5.88%
Chinese 1 $125,000 $125,000 $460 5.24%
Other Pacific Islander 1 $75,000 $75,000 $817 5.75%

Approval Rates

Total approvals of all applications
85.63%

International Bank Of Commerce has an average approval rate.

Pick Rate

Approvals leading to origination
68.05%

International Bank Of Commerce has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 1,619 $394,575,000 $243,715

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,619 $394,575,000 $243,715

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 262 $49,840,000 $190,229 $802 5.34%
40-60% 83 $133,935,000 $1,613,675 $4,348 3.72%
60-80% 180 $83,780,000 $465,444 $4,826 3.88%
80-100% 145 $36,785,000 $253,690 $4,819 3.55%
Over 100% 1 $185,000 $185,000 $0 4.75%
Under 20% 948 $90,050,000 $94,989 $563 5.44%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
INTERNATIONAL CITY MORTGAGE VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
International Bank of Commerce 12625 Interstate 35 North Austin, TX 78753 Full Service B&M $6,821
International Bank of Commerce #1 South Broadway St Mcallen, TX 78501 Full Service B&M $947,372
International Bank of Commerce 100 E. 495 San Juan, TX 78589 Full Service Retail $12,428
International Bank of Commerce 1001 Mckinney Suite 150 Houston, TX 77002 Full Service B&M $38,823
International Bank of Commerce 1002 Matamoros Street Laredo, TX 78042 Full Service B&M $39,343
International Bank of Commerce 1507 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $23,105
International Bank of Commerce 1545 Eldridge Parkway Houston, TX 77077 Full Service B&M $17,142
International Bank of Commerce 1600 Water Street, B-520 Laredo, TX 78040 Full Service B&M $4,992
International Bank of Commerce 16339 Huebner San Antonio, TX 78248 Full Service B&M $16,762
International Bank of Commerce 1695 S Highway 183 Leander, TX 78641 Full Service B&M $3,237
International Bank of Commerce 1724 West University Drive Edinburg, TX 78539 Full Service Retail $33,762
International Bank of Commerce 1800 U.S. Highway 181 Portland, TX 78374 Full Service B&M $14,232
International Bank of Commerce 1850 Gattis School Rd. Round Rock, TX 78664 Full Service Retail $6,052
International Bank of Commerce 18750 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $71,787
International Bank of Commerce 1916 Seventh Street Bay City, TX 77414 Full Service B&M $60,165
International Bank of Commerce 200 E. Griffin Parkway Mission, TX 78572 Full Service Retail $16,530
International Bank of Commerce 200 South Pecan Street Luling, TX 78648 Full Service B&M $39,414
International Bank of Commerce 2416 Ceegee Street San Antonio, TX 78217 Limited, Administrative $0
International Bank of Commerce 2418 Jacaman Laredo, TX 78041 Full Service B&M $32,010
International Bank of Commerce 2442 San Isidro Parkway Laredo, TX 78045 Full Service B&M $59,897
International Bank of Commerce 2501 West Wheeler Aransas Pass, TX 78336 Full Service B&M $8,288
International Bank of Commerce 2538 Main Street Eagle Pass, TX 78852 Full Service B&M $41,992
International Bank of Commerce 2701 Highway 35 North Rockport, TX 78382 Full Service B&M $52,478
International Bank of Commerce 2817 E. Cesar Chavez Street Austin, TX 78702 Full Service B&M $10,080
International Bank of Commerce 2900 W. Expressway 83 Mcallen, TX 78501 Full Service B&M $38,788
International Bank of Commerce 301 South 10th Mcallen, TX 78501 Full Service B&M $51,480
International Bank of Commerce 301 W. Whitestone Cedar Park, TX 78613 Full Service B&M $4,560
International Bank of Commerce 301 West Sinton Street Sinton, TX 78387 Full Service B&M $24,181
International Bank of Commerce 3100 E. Main Uvalde, TX 78801 Full Service B&M $3,735
International Bank of Commerce 311 North Virginia Port Lavaca, TX 77979 Full Service B&M $101,785
International Bank of Commerce 455 South Bibb Street, #502 Eagle Pass, TX 78852 Full Service Retail $65,639
International Bank of Commerce 4622 Everhart Road Corpus Christi, TX 78411 Full Service B&M $15,040
International Bank of Commerce 500 West 5th Street Austin, TX 78701 Full Service B&M $333,464
International Bank of Commerce 5029 Broadway Street San Antonio, TX 78209 Full Service B&M $15,503
International Bank of Commerce 5085 Westheimer Suite 4640 Houston, TX 77056 Full Service B&M $92,200
International Bank of Commerce 5250 Fm 1640 Richmond, TX 77469 Full Service B&M $12,056
International Bank of Commerce 5300 San Dario Ste. 202 Laredo, TX 78041 Full Service Retail $41,022
International Bank of Commerce 5300 San Dario, Ste 440d Laredo, TX 78041 Full Service Retail $111,838
International Bank of Commerce 5300 Walzem San Antonio, TX 78217 Full Service B&M $28,383
International Bank of Commerce 544 W. Grand Parkway South Katy, TX 77494 Full Service B&M $12,687
International Bank of Commerce 5610 San Bernardo Laredo, TX 78041 Full Service Retail $30,440
International Bank of Commerce 5615 Kirby Drive Houston, TX 77005 Full Service B&M $551,874
International Bank of Commerce 1007 North I Road Pharr, TX 78577 Full Service B&M $35,136
International Bank of Commerce 1023 S. Bridge Hidalgo, TX 78557 Full Service B&M $61,193
International Bank of Commerce 10405 Fm 2222 Austin, TX 78730 Full Service B&M $3,694
International Bank of Commerce 10570 State Hwy. 6 Sugar Land, TX 77478 Full Service B&M $19,585
International Bank of Commerce 1081 Wonderworld Drive San Marcos, TX 78666 Full Service B&M $11,969
International Bank of Commerce 11002 Culebra Rd. San Antonio, TX 78253 Full Service B&M $8,188
International Bank of Commerce 11400 Burnet Rd. Bldg. 46 Austin, TX 78758 Full Service B&M $8,873
International Bank of Commerce 11831 Bandera Road Helotes, TX 78023 Full Service B&M $17,296
International Bank of Commerce 1200 East Jackson Mcallen, TX 78503 Full Service Retail $29,319
International Bank of Commerce 1200 San Bernardo Avenue Laredo, TX 78040 Full Service B&M $1,821,409
International Bank of Commerce 121 S. Shary Road Mission, TX 78572 Full Service B&M $41,885
International Bank of Commerce 12400 Highway 281 North San Antonio, TX 78216 Full Service B&M $27,250
International Bank of Commerce 2065 East Main Uvalde, TX 78801 Full Service B&M $10,015
International Bank of Commerce 2101 Nw Military Hwy San Antonio, TX 78213 Limited, Drive-thru $0
International Bank of Commerce 212 That Way Lake Jackson, TX 77566 Full Service B&M $15,362
International Bank of Commerce 2135 E. Main Eagle Pass, TX 78852 Full Service Retail $14,453
International Bank of Commerce 215 East Mile 3 Road Palmhurst, TX 78574 Full Service B&M $24,763
International Bank of Commerce 215 West Main Avenue Alton, TX 78573 Full Service Retail $6,351
International Bank of Commerce 217 West Sinton Street Sinton, TX 78387 Limited, Drive-thru $0
International Bank of Commerce 2200 S 10th St Mcallen, TX 78501 Full Service B&M $241,809
International Bank of Commerce 2200 S. 10th St. La Plaza Mall Mcallen, TX 78502 Full Service Retail $76,170
International Bank of Commerce 2201 Northwest Military Highway San Antonio, TX 78213 Full Service B&M $62,735
International Bank of Commerce 2205 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $9,047
International Bank of Commerce 2205 W. University Drive Edinburg, TX 78541 Full Service B&M $29,060
International Bank of Commerce 221 South Shoreline Boulevard Corpus Christi, TX 78403 Full Service B&M $175,522
International Bank of Commerce 2225 Nolana Mcallen, TX 78504 Full Service B&M $32,139
International Bank of Commerce 2304 West Fm 646 League City, TX 77573 Full Service B&M $4,658
International Bank of Commerce 2305 Del Rio Blvd. Eagle Pass, TX 78852 Full Service B&M $25,581
International Bank of Commerce 2310 Sw Military Dr. Ste. 216 San Antonio, TX 78224 Full Service Retail $17,427
International Bank of Commerce 2320 Bob Bullock Loop 20 Laredo, TX 78046 Full Service Retail $29,528
International Bank of Commerce 2329 Main Street Eagle Pass, TX 78852 Full Service B&M $74,417
International Bank of Commerce 23rd & Trenton Mcallen, TX 78504 Full Service B&M $25,381
International Bank of Commerce 2401 Hwy. 281 Marble Falls, TX 78654 Full Service B&M $35,181
International Bank of Commerce 2410 Dodson - Wal-Mart Del Rio, TX 78840 Full Service Retail $9,235
International Bank of Commerce 2410 East Highway 83 Mission, TX 78572 Full Service Retail $29,910
International Bank of Commerce 2415 South Zapata Highway Laredo, TX 78046 Full Service B&M $38,877
International Bank of Commerce 4501 San Bernardo Laredo, TX 78041 Full Service B&M $94,700
International Bank of Commerce 3119 S.E. Military Drive San Antonio, TX 78223 Full Service B&M $9,981
International Bank of Commerce 327 S.W. Loop 410 San Antonio, TX 78245 Full Service B&M $9,540
International Bank of Commerce 3600 N 10th St Mcallen, TX 78501 Full Service B&M $58,299
International Bank of Commerce 3800 Fm-3009 Schertz, TX 78154 Full Service B&M $7,963
International Bank of Commerce 3939 Montrose Houston, TX 77006 Full Service B&M $16,471
International Bank of Commerce 400 South Closner Edinburg, TX 78539 Full Service B&M $36,370
International Bank of Commerce 4001 N. 23rd - Wal-Mart Mcallen, TX 78504 Full Service Retail $22,237
International Bank of Commerce 401 South Cage Blvd Pharr, TX 78577 Full Service B&M $34,448
International Bank of Commerce 4025 S Fm 620 Bee Cave, TX 78738 Full Service B&M $2,445
International Bank of Commerce 4104 Mccoll Edinburg, TX 78539 Full Service Retail $21,184
International Bank of Commerce 439 Main Street Eagle Pass, TX 78852 Full Service B&M $453,176
International Bank of Commerce 4401 Hwy 83 South Laredo, TX 78046 Full Service B&M $16,889
International Bank of Commerce 5706 Kirby Houston, TX 77005 Limited, Drive-thru $0
International Bank of Commerce 606 South Texas Avenue Weslaco, TX 78596 Full Service B&M $48,647
International Bank of Commerce 6130 South Staples Corpus Christi, TX 78413 Full Service B&M $37,765
International Bank of Commerce 6411 N. Navarro Victoria, TX 77904 Full Service B&M $19,595
International Bank of Commerce 6630 Callaghan Rd San Antonio, TX 78229 Full Service B&M $45,010
International Bank of Commerce 7002 San Bernardo Laredo, TX 78040 Full Service B&M $51,109
International Bank of Commerce 701 W. Highway 71, 701 Bastrop, TX 78602 Full Service B&M $5,662
International Bank of Commerce 7909 Mcpherson Ave. Laredo, TX 78045 Full Service B&M $114,800
International Bank of Commerce 802 S. Jackson Rd. Mcallen, TX 78503 Full Service B&M $45,052
International Bank of Commerce 8042 Wurzback, Suite 105 San Antonio, TX 78229 Full Service B&M $60
International Bank of Commerce 8203 South Kirkwood Road Houston, TX 77072 Full Service B&M $72,342
International Bank of Commerce 8650 Fredricksburg San Antonio, TX 78240 Full Service B&M $8,419
International Bank of Commerce 8770 Tesoro San Antonio, TX 78217 Limited, Administrative $0
International Bank of Commerce 900 Bryan Road Mission, TX 78572 Full Service B&M $31,440
International Bank of Commerce 938 South Military Dr. San Antonio, TX 78214 Full Service B&M $9,905
International Bank of Commerce 9710 Mines Rd Laredo, TX 78045 Full Service B&M $63,949
International Bank of Commerce 9900 South Ih 35 Austin, TX 78748 Full Service B&M $6,228
International Bank of Commerce Expressway 83, 1705 Expressway 83 Penitas, TX 78576 Full Service Retail $17,014
International Bank of Commerce Kelvin Dr & Nottingham St Houston, TX 77005 Limited, Drive-thru $0
International Bank of Commerce 130 East Travis San Antonio, TX 78205 Full Service B&M $673,103
International Bank of Commerce 130 West Mulberry Street Angleton, TX 77515 Full Service B&M $7,967
International Bank of Commerce 1300 Guadalupe Street Laredo, TX 78040 Full Service B&M $92,764
International Bank of Commerce 1300 Gulf Gate Center Mall Houston, TX 77087 Full Service Retail $18,851
International Bank of Commerce 1301 West Ash Mcallen, TX 78501 Limited, Drive-thru $0
International Bank of Commerce 1310 N. Texas Weslaco, TX 78596 Full Service Retail $27,660
International Bank of Commerce 1317 Waldron Rd. Corpus Christi, TX 78418 Full Service B&M $6,559
International Bank of Commerce 1320 San Dario Ave Laredo, TX 78040 Limited, Drive-thru $0
International Bank of Commerce 14066 Northwest Blvd. Corpus Christi, TX 78410 Full Service B&M $7,701
International Bank of Commerce 1421 West Frontage Rd Alamo, TX 78516 Full Service Retail $29,427
International Bank of Commerce 1500 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $14,039

For 2021, International Bank Of Commerce had 121 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $295,790
Net interest income $275,511
Total noninterest income $122,628
Gross Fiduciary activities income $294
Service charges on deposit accounts $44,051
Trading account gains and fees $0
Additional Noninterest Income $78,283
Pre-tax net operating income $195,679
Securities gains (or losses, -) $-16
Income before extraordinary items $154,938
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $154,938
Minority interest net income $0
Net income $154,938
Sale, conversion, retirement of capital stock, net $0
Net operating income $154,950

International Bank Of Commerce's gross interest income from loans was $295,790,000.
International Bank Of Commerce's net interest income from loans was $275,511,000.
International Bank Of Commerce's fee based income from loans was $44,051,000.
International Bank Of Commerce's net income from loans was $154,938,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $20,279
Provision for credit losses $5,377
Total noninterest expense $197,083
Salaries and employee benefits $97,496
Premises and equipment expense $35,059
Additional noninterest expense $64,528
Applicable income taxes $40,725
Net charge-offs $4,208
Cash dividends $25,000

International Bank Of Commerce's interest expense for loans was $20,279,000.
International Bank Of Commerce's payroll and benefits expense were $97,496,000.
International Bank Of Commerce's property, plant and equipment expenses $35,059,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.1%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $6,848,872
Deposits held in domestic offices $6,848,872
Deposits by Individuals, partnerships, and corporations $6,528,068
Deposits by U.S. Government $6
Deposits by States and political subdivisions in the U.S. $173,684
Deposits by Commercial banks and other depository institutions in U.S. $147,114
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $2,132,951
Demand deposits $1,808,276
Nontransaction accounts $4,715,921
Money market deposit accounts (MMDAs) $3,060,349
Other savings deposits (excluding MMDAs) $608,356
Total time deposits $1,047,217
Total time and savings deposits $5,040,596
Noninterest-bearing deposits $3,394,129
Interest-bearing deposits $3,454,743
Retail deposits $6,296,920
IRAs and Keogh plan accounts $25,755
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $9,291,812
Cash & Balances due from depository institutions $1,800,335
Interest-bearing balances $1,677,510
Total securities $1,633,261
Federal funds sold & reverse repurchase $18,950
Net loans and leases $4,962,314
Loan and leases loss allowance $76,725
Trading account assets $0
Bank premises and fixed assets $240,332
Other real estate owned $6,280
Goodwill and other intangibles $227,003
All other assets $403,337

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $9,291,812
Total Liabilities $7,779,215
Total deposits $6,848,872
Interest-bearing deposits $3,454,743
Deposits held in domestic offices $6,848,872
% insured (estimated) $79
Federal funds purchased and repurchase agreements $444,320
Trading liabilities $0
Other borrowed funds $425,000
Subordinated debt $0
All other liabilities $61,023

Issued Loan Types

Type Value (in 000's)
Net loans and leases $4,962,314
Loan and leases loss allowance $76,725
Total loans and leases (domestic) $5,039,039
All real estate loans $4,100,685
Real estate loans in domestic offices $4,100,685
Construction and development loans $1,382,666
Residential 1-4 family construction $228,280
Other construction, all land development and other land $1,154,386
Loans secured by nonfarm nonresidential properties $1,776,531
Nonfarm nonresidential secured by owner-occupied properties $292,628
Commercial real estate & other non-farm, non-residential $1,483,903
Multifamily residential real estate $139,487
1-4 family residential loans $670,912
Farmland loans $131,089
Loans held in foreign offices $0
Farm loans $4,674
Commercial and industrial loans $895,262
To non-U.S. addressees $42,625
Loans to individuals $33,449
Credit card loans $960
Related Plans $990
Consumer Auto Loans $3,327
Other loans to individuals $28,172
All other loans & leases $4,969
Loans to foreign governments and official institutions $0
Other loans $4,969
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $29,350
Loans secured by real estate to non-U.S. addressees $31,977
Restructured Loans & leases $4,021
Non 1-4 family restructured loans & leases $392
Total loans and leases (foreign) $0

International Bank of Commerce had $4,962,314,000 of loans outstanding in 2021. $4,100,685,000 of loans were in real estate loans. $1,382,666,000 of loans were in development loans. $139,487,000 of loans were in multifamily mortgage loans. $670,912,000 of loans were in 1-4 family mortgage loans. $4,674,000 of loans were in farm loans. $960,000 of loans were in credit card loans. $3,327,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 340 $79,585 $234,074
Nonfarm, nonresidential loans - <$100k 69 $2,664 $38,609
Nonfarm, nonresidential loans - $100-250k 122 $15,392 $126,164
Nonfarm, nonresidential loans - $250k-1MM 149 $61,529 $412,946
Commercial & Industrial, US addressed loans - <$1MM 1,202 $116,706 $97,093
Commercial & Industrial, US addressed loans - <$100k 776 $21,691 $27,952
Commercial & Industrial, US addressed loans - $100-250k 237 $29,223 $123,304
Commercial & Industrial, US addressed loans - $250k-1MM 189 $65,792 $348,106
Farmland loans - <$1MM 32 $4,036 $126,125
Farmland loans - <$100k 11 $422 $38,364
Farmland loans - $100-250k 12 $1,519 $126,583
Farmland loans - $250k-1MM 9 $2,095 $232,778
Agriculture operations loans - <$1MM 24 $1,208 $50,333
Agriculture operations loans - <$100k 16 $318 $19,875
Agriculture operations loans - $100-250k 5 $642 $128,400
Agriculture operations loans - $250k-1MM 3 $248 $82,667