International Bank Of Commerce Mortgage Rates, Fees & Info

Laredo, TX

LEI: 5493005GNZ6EJFS7LM83

Tax ID: 74-1541057

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Dallas, Austin, San Antonio, and Laredo among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)

    International Bank Of Commerce has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. International Bank Of Commerce is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.67% 12/16/24
    30 Year Conventional Refi 6.69% 12/16/24
    30 Year Cash-out Refi 6.86% 12/16/24
    30 Year FHA Purchase 7.80% 12/16/24
    30 Year FHA Refi 8.12% 12/16/24
    30 Year VA Purchase 6.33% 12/16/24
    15 Year Conventional Purchase 7.30% 12/16/24
    15 Year Conventional Refi 7.26% 12/16/24
    15 Year Cash-out Refi 7.26% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    International Bank Of Commerce Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from International Bank Of Commerce. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,395

    Origination Dollar Volume (All Markets)

    $291,705,000

    Employee count

    2,371 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 614 $62,600,000 $101,954 $730 5.77%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 573 $58,255,000 $101,667 $638 5.82%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 405 $48,945,000 $120,852 $798 5.68%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 216 $35,810,000 $165,787 $1,321 5.55%
    LAREDO, TX (FHA|USDA|VA) 121 $21,995,000 $181,777 $4,234 4.82%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 108 $17,660,000 $163,519 $3,514 5.13%
    TULSA, OK (FHA|USDA|VA) 57 $7,785,000 $136,579 $3,470 4.79%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 33 $7,235,000 $219,242 $2,924 4.91%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 52 $6,410,000 $123,269 $3,152 5.16%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 45 $5,625,000 $125,000 $2,049 5.08%
    Outside of Metro Areas 41 $4,225,000 $103,049 $1,476 5.65%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 17 $1,495,000 $87,941 $394 5.87%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $0 6.00%
    Gainesville, TX (FHA|USDA|VA) 5 $925,000 $185,000 $617 5.75%
    Alice, TX (FHA|USDA|VA) 6 $860,000 $143,333 $4,312 5.13%
    Kingsville, TX (FHA|USDA|VA) 6 $840,000 $140,000 $2,288 6.06%
    LUBBOCK, TX (FHA|USDA|VA) 8 $810,000 $101,250 $774 5.56%
    Fredericksburg, TX (FHA|USDA|VA) 4 $750,000 $187,500 $523 5.31%
    EL PASO, TX (FHA|USDA|VA) 4 $630,000 $157,500 $453 6.12%
    Eagle Pass, TX (FHA|USDA|VA) 7 $545,000 $77,857 $2,247 5.43%
    Port Lavaca, TX (FHA|USDA|VA) 4 $530,000 $132,500 $1,467 5.78%
    Zapata, TX (FHA|USDA|VA) 2 $520,000 $260,000 $2,769 5.44%
    Duncan, OK (FHA|USDA|VA) 7 $515,000 $73,571 $3,220 5.07%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $510,000 $63,750 $559 5.69%
    MIDLAND, TX (FHA|USDA|VA) 4 $460,000 $115,000 $622 5.75%
    WACO, TX (FHA|USDA|VA) 6 $450,000 $75,000 $560 5.68%
    ODESSA, TX (FHA|USDA|VA) 2 $420,000 $210,000 $2,978 4.93%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 4 $380,000 $95,000 $2,523 4.38%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $360,000 $90,000 $382 6.21%
    Rockport, TX (FHA|USDA|VA) 2 $360,000 $180,000 $5,114 3.69%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $340,000 $85,000 $524 5.81%
    Del Rio, TX (FHA|USDA|VA) 2 $260,000 $130,000 $3,841 5.19%
    Ardmore, OK (FHA|USDA|VA) 2 $220,000 $110,000 $5,982 4.81%
    Mineral Wells, TX (FHA|USDA|VA) 1 $215,000 $215,000 $614 5.50%
    Bay City, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,767 4.88%
    ABILENE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $799 5.50%
    Huntsville, TX (FHA|USDA|VA) 2 $170,000 $85,000 $454 5.87%
    Brenham, TX (FHA|USDA|VA) 1 $165,000 $165,000 $584 5.99%
    Stillwater, OK (FHA|USDA|VA) 2 $160,000 $80,000 $2,721 4.38%
    Miami, OK (FHA|USDA|VA) 1 $145,000 $145,000 $2,346 3.50%
    Granbury, TX (FHA|USDA|VA) 2 $140,000 $70,000 $535 5.75%
    Mount Pleasant, TX (FHA|USDA|VA) 2 $100,000 $50,000 $669 6.63%
    El Campo, TX (FHA|USDA|VA) 1 $95,000 $95,000 $609 6.24%
    AMARILLO, TX (FHA|USDA|VA) 1 $95,000 $95,000 $449 4.99%
    Shawnee, OK (FHA|USDA|VA) 1 $95,000 $95,000 $2,411 4.50%
    Uvalde, TX (FHA|USDA|VA) 1 $55,000 $55,000 $444 6.75%
    TYLER, TX (FHA|USDA|VA) 1 $55,000 $55,000 $739 6.24%
    Altus, OK (FHA|USDA|VA) 1 $45,000 $45,000 $2,422 4.25%
    ENID, OK (FHA|USDA|VA) 1 $35,000 $35,000 $41 6.38%
    International Bank Of Commerce's top markets include Houston, Dallas, Austin, San Antonio, and Laredo among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against International Bank of Commerce based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    RED CROWN
    Similarity Rank: 45
    Tulsa Federal Credit Union
    Similarity Rank: 84
    Central Bank of Oklahoma
    Similarity Rank: 140
    TRUE SKY
    Similarity Rank: 174
    WEOKIE
    Similarity Rank: 243
    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 321
    OKLAHOMA CENTRAL Credit Union
    Similarity Rank: 352
    Intrust Bank
    Similarity Rank: 352
    TTCU Federal Credit Union
    Similarity Rank: 360
    MEMBERS CHOICE Credit Union
    Similarity Rank: 549

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,293 $275,905,000 $120,325 $1,023 5.65%
    FHA 88 $13,310,000 $151,250 $6,509 4.36%
    VA 10 $1,850,000 $185,000 $4,621 3.73%
    USDA 4 $640,000 $160,000 $5,062 3.69%

    For 2019, International Bank Of Commerce's most frequently originated type of loan was Conventional, with 2,293 originations. Their 2nd most popular type was FHA, with 88 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,758 $210,090,000 $119,505 $1,195 5.65%
    Refi 351 $49,875,000 $142,094 $1,417 5.24%
    Home Improvement 122 $10,710,000 $87,787 $729 5.89%
    Cash Out Refi 107 $15,565,000 $145,467 $2,282 5.36%
    Other 57 $5,465,000 $95,877 $1,320 5.73%

    For 2019, International Bank Of Commerce's most frequently cited loan purpose was Home Purchase, with 1,758 originations. The 2nd most popular reason was Refi, with 351 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,663 $169,575,000 $101,969 $681 5.73%
    20 Year 305 $27,855,000 $91,328 $837 6.02%
    30 Year 305 $61,545,000 $201,787 $4,972 4.43%
    10 Year 65 $4,465,000 $68,692 $1,357 5.27%
    5 Year 41 $16,225,000 $395,732 $167 5.97%
    Other 11 $10,425,000 $947,727 $0 5.77%
    3 Year 3 $1,085,000 $361,667 $0 5.83%
    1 Year 2 $530,000 $265,000 $0 6.50%

    For 2019, International Bank Of Commerce's most frequently cited loan duration was 15 Year, with 1,663 originations. The 2nd most popular length was 20 Year, with 305 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,001 $198,925,000 $99,413
    $1k-2k 269 $49,355,000 $183,476
    $2k-3k 26 $7,270,000 $279,615
    $3k-4k 7 $2,355,000 $336,429
    $4k-5k 3 $955,000 $318,333
    $5k+ 3 $895,000 $298,333

    International Bank Of Commerce's average total fees were $4,972, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,001 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,268 $143,390,000 $113,084
    6-7% 675 $61,905,000 $91,711
    4-5% 267 $49,905,000 $186,910
    3-4% 153 $32,625,000 $213,235
    7-8% 28 $2,810,000 $100,357
    2.5-3% 3 $935,000 $311,667
    <2.5% 1 $135,000 $135,000

    During 2019, International Bank Of Commerce's average interest rate for loans was 4.43%, while their most frequently originated rate bucket for loans was 5-6%, with 1,268 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,332 $85,510,000 $64,197 $697 5.81%
    $100k-200k 777 $108,305,000 $139,389 $1,641 5.45%
    $200k-400k 239 $61,665,000 $258,013 $2,589 5.02%
    $400k-600k 33 $15,145,000 $458,939 $5,692 4.38%
    $1MM+ 7 $15,945,000 $2,277,857 $0 5.36%
    $600k-1MM 7 $5,135,000 $733,571 $7,691 5.30%

    2019 saw International Bank Of Commerce place emphasis on $100,000 or less loans with 1,332 originations, totaling $85,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 858 $93,820,000 $109,347 $769 5.76%
    $250k+ 649 $85,925,000 $132,396 $722 5.73%
    $100k-150k 383 $35,195,000 $91,893 $1,069 5.67%
    $50k or less 169 $15,085,000 $89,260 $2,938 5.12%
    $50k-75k 144 $17,740,000 $123,194 $3,593 4.85%
    $75k-100k 116 $14,080,000 $121,379 $2,511 5.26%

    International Bank Of Commerce lent most frequently to those with incomes in the $150k-250k range, with 858 originations. The second most popular income band? $250k+, with 649 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 463 $49,595,000 $107,117 $1,074 5.61%
    20-30% 390 $39,680,000 $101,744 $1,027 5.58%
    44% 169 $19,235,000 $113,817 $924 5.73%
    46% 150 $19,020,000 $126,800 $1,125 5.61%
    41% 139 $13,195,000 $94,928 $898 5.73%
    43% 134 $13,470,000 $100,522 $975 5.77%
    42% 127 $14,715,000 $115,866 $1,113 5.71%
    39% 118 $13,430,000 $113,814 $1,069 5.77%
    38% 105 $11,205,000 $106,714 $1,325 5.64%
    40% 91 $10,325,000 $113,462 $1,202 5.69%
    36% 91 $9,305,000 $102,253 $1,228 5.70%
    <20% 86 $10,420,000 $121,163 $1,334 5.31%
    45% 85 $9,545,000 $112,294 $1,169 5.53%
    37% 84 $9,630,000 $114,643 $1,129 5.65%
    49% 43 $8,075,000 $187,791 $4,292 4.65%
    50-60% 26 $4,050,000 $155,769 $6,430 4.28%
    47% 22 $4,330,000 $196,818 $4,704 4.22%
    48% 13 $2,995,000 $230,385 $4,194 4.50%
    >60% 4 $1,250,000 $312,500 $4,408 4.31%

    International Bank Of Commerce lent most frequently to those with DTI ratios of 30-36%, with 463 originations. The next most common DTI ratio? 20-30%, with 390 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,866 $209,410,000 $112,224 $1,258 5.60%
    Not provided 263 $34,775,000 $132,224 $1,433 5.48%
    Not applicable 33 $22,825,000 $691,667 $0 5.96%
    Asian 129 $14,435,000 $111,899 $888 5.64%
    Black 67 $6,765,000 $100,970 $1,248 5.74%
    American Indian 15 $1,695,000 $113,000 $1,873 5.15%
    Asian Indian 14 $1,040,000 $74,286 $475 5.89%
    Native Hawaiian or Islander 4 $430,000 $107,500 $1,192 5.25%
    Vietnamese 3 $275,000 $91,667 $439 5.99%
    Other Asian 1 $55,000 $55,000 $457 5.75%

    Approval Rates

    Total approvals of all applications
    86.15%

    International Bank Of Commerce has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.66%

    International Bank Of Commerce has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,395 $291,705,000 $121,797

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $10,545,000 $1,171,667
    Single Family (1-4 Units):Site-Built 2,386 $281,160,000 $117,837

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 448 $70,780,000 $157,991 $600 5.81%
    40-60% 84 $13,650,000 $162,500 $2,656 5.03%
    60-80% 187 $41,605,000 $222,487 $3,784 5.04%
    80-100% 254 $55,100,000 $216,929 $4,954 4.51%
    Under 20% 1,422 $110,570,000 $77,757 $536 5.83%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    INTERCONTINENTAL CAPITAL GROUP 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 #1 South Broadway St Mcallen, TX 78501 Full Service B&M $640,462
    International Bank of Commerce 100 E. 495 San Juan, TX 78589 Full Service Retail $6,616
    International Bank of Commerce 1001 Mckinney Suite 150 Houston, TX 77002 Full Service B&M $30,563
    International Bank of Commerce 1002 Matamoros Street Laredo, TX 78042 Full Service B&M $29,970
    International Bank of Commerce 1007 North I Road Pharr, TX 78577 Full Service B&M $19,118
    International Bank of Commerce 1023 S. Bridge Hidalgo, TX 78557 Full Service B&M $40,654
    International Bank of Commerce 10405 Fm 2222 Austin, TX 78730 Full Service B&M $3,100
    International Bank of Commerce 10570 State Hwy. 6 Sugar Land, TX 77478 Full Service B&M $13,059
    International Bank of Commerce 1081 Wonderworld Drive San Marcos, TX 78666 Full Service B&M $7,707
    International Bank of Commerce 11002 Culebra Rd. San Antonio, TX 78253 Full Service B&M $6,454
    International Bank of Commerce 11400 Burnet Rd. Bldg. 46 Austin, TX 78758 Full Service B&M $6,817
    International Bank of Commerce 11831 Bandera Road Helotes, TX 78023 Full Service B&M $10,706
    International Bank of Commerce 1200 East Jackson Mcallen, TX 78503 Full Service Retail $19,617
    International Bank of Commerce 1200 San Bernardo Avenue Laredo, TX 78040 Full Service B&M $1,348,074
    International Bank of Commerce 1208 North Brazosport Freeport, TX 77541 Full Service B&M $5,295
    International Bank of Commerce 121 S. Shary Road Mission, TX 78572 Full Service B&M $20,994
    International Bank of Commerce 12400 Highway 281 North San Antonio, TX 78216 Full Service B&M $19,847
    International Bank of Commerce 12625 Interstate 35 North Austin, TX 78753 Full Service B&M $3,887
    International Bank of Commerce 130 East Travis San Antonio, TX 78205 Full Service B&M $542,349
    International Bank of Commerce 130 West Mulberry Street Angleton, TX 77515 Full Service B&M $5,490
    International Bank of Commerce 1300 Guadalupe Street Laredo, TX 78040 Full Service B&M $59,470
    International Bank of Commerce 1300 Gulf Gate Center Mall Houston, TX 77087 Full Service Retail $11,729
    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 $15,738
    International Bank of Commerce 1317 Waldron Rd. Corpus Christi, TX 78418 Full Service B&M $5,420
    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 $5,865
    International Bank of Commerce 1421 West Frontage Rd Alamo, TX 78516 Full Service Retail $15,218
    International Bank of Commerce 1500 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $11,958
    International Bank of Commerce 1507 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $14,017
    International Bank of Commerce 1545 Eldridge Parkway Houston, TX 77077 Full Service B&M $11,320
    International Bank of Commerce 1600 Water Street, B-520 Laredo, TX 78040 Full Service B&M $2,843
    International Bank of Commerce 16339 Huebner San Antonio, TX 78248 Full Service B&M $8,758
    International Bank of Commerce 1695 S Highway 183 Leander, TX 78641 Full Service B&M $1,809
    International Bank of Commerce 1724 West University Drive Edinburg, TX 78539 Full Service Retail $20,148
    International Bank of Commerce 1800 U.S. Highway 181 Portland, TX 78374 Full Service B&M $10,988
    International Bank of Commerce 1850 Gattis School Rd. Round Rock, TX 78664 Full Service Retail $4,023
    International Bank of Commerce 18750 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $48,156
    International Bank of Commerce 1916 Seventh Street Bay City, TX 77414 Full Service B&M $52,208
    International Bank of Commerce 200 E. Griffin Parkway Mission, TX 78572 Full Service Retail $9,643
    International Bank of Commerce 200 South Pecan Street Luling, TX 78648 Full Service B&M $25,140
    International Bank of Commerce 2065 East Main Uvalde, TX 78801 Full Service B&M $6,927
    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 $11,969
    International Bank of Commerce 2135 E. Main Eagle Pass, TX 78852 Full Service Retail $9,224
    International Bank of Commerce 215 East Mile 3 Road Palmhurst, TX 78574 Full Service B&M $13,337
    International Bank of Commerce 215 West Main Avenue Alton, TX 78573 Full Service Retail $3,702
    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 $218,395
    International Bank of Commerce 2200 S. 10th St. La Plaza Mall Mcallen, TX 78502 Full Service Retail $67,875
    International Bank of Commerce 2201 Northwest Military Highway San Antonio, TX 78213 Full Service B&M $58,146
    International Bank of Commerce 2205 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $8,886
    International Bank of Commerce 2205 W. University Drive Edinburg, TX 78541 Full Service B&M $17,700
    International Bank of Commerce 221 South Shoreline Boulevard Corpus Christi, TX 78403 Full Service B&M $142,082
    International Bank of Commerce 2225 Nolana Mcallen, TX 78504 Full Service B&M $23,502
    International Bank of Commerce 2304 West Fm 646 League City, TX 77573 Full Service B&M $3,342
    International Bank of Commerce 2305 Del Rio Blvd. Eagle Pass, TX 78852 Full Service B&M $17,626
    International Bank of Commerce 2310 Sw Military Dr. Ste. 216 San Antonio, TX 78224 Full Service Retail $11,092
    International Bank of Commerce 2320 Bob Bullock Loop 20 Laredo, TX 78046 Full Service Retail $15,913
    International Bank of Commerce 2329 Main Street Eagle Pass, TX 78852 Full Service B&M $62,530
    International Bank of Commerce 23rd & Trenton Mcallen, TX 78504 Full Service B&M $15,865
    International Bank of Commerce 2401 Hwy. 281 Marble Falls, TX 78654 Full Service B&M $33,647
    International Bank of Commerce 2410 Dodson - Wal-Mart Del Rio, TX 78840 Full Service Retail $5,638
    International Bank of Commerce 2410 East Highway 83 Mission, TX 78572 Full Service Retail $21,645
    International Bank of Commerce 2415 South Zapata Highway Laredo, TX 78046 Full Service B&M $25,352
    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 $15,414
    International Bank of Commerce 2442 San Isidro Parkway Laredo, TX 78045 Full Service B&M $37,128
    International Bank of Commerce 2501 West Wheeler Aransas Pass, TX 78336 Full Service B&M $6,559
    International Bank of Commerce 2538 Main Street Eagle Pass, TX 78852 Full Service B&M $28,929
    International Bank of Commerce 2701 Highway 35 North Rockport, TX 78382 Full Service B&M $52,025
    International Bank of Commerce 2817 E. Cesar Chavez Street Austin, TX 78702 Full Service B&M $7,827
    International Bank of Commerce 2900 W. Expressway 83 Mcallen, TX 78501 Full Service B&M $24,783
    International Bank of Commerce 301 South 10th Mcallen, TX 78501 Full Service B&M $36,982
    International Bank of Commerce 4025 S Fm 620 Bee Cave, TX 78738 Full Service B&M $1,785
    International Bank of Commerce 301 W. Whitestone Cedar Park, TX 78613 Full Service B&M $2,461
    International Bank of Commerce 301 West Sinton Street Sinton, TX 78387 Full Service B&M $19,878
    International Bank of Commerce 3100 E. Main Uvalde, TX 78801 Full Service B&M $1,951
    International Bank of Commerce 311 North Virginia Port Lavaca, TX 77979 Full Service B&M $100,016
    International Bank of Commerce 3119 S.E. Military Drive San Antonio, TX 78223 Full Service B&M $7,593
    International Bank of Commerce 327 S.W. Loop 410 San Antonio, TX 78245 Full Service B&M $6,032
    International Bank of Commerce 3600 N 10th St Mcallen, TX 78501 Full Service B&M $35,977
    International Bank of Commerce 3800 Fm-3009 Schertz, TX 78154 Full Service B&M $7,705
    International Bank of Commerce 3939 Montrose Houston, TX 77006 Full Service B&M $9,654
    International Bank of Commerce 400 South Closner Edinburg, TX 78539 Full Service B&M $24,777
    International Bank of Commerce 4001 N. 23rd - Wal-Mart Mcallen, TX 78504 Full Service Retail $14,427
    International Bank of Commerce 401 South Cage Blvd Pharr, TX 78577 Full Service B&M $20,807
    International Bank of Commerce 4104 Mccoll Edinburg, TX 78539 Full Service Retail $11,871
    International Bank of Commerce 439 Main Street Eagle Pass, TX 78852 Full Service B&M $397,182
    International Bank of Commerce 4401 Hwy 83 South Laredo, TX 78046 Full Service B&M $8,246
    International Bank of Commerce 4501 San Bernardo Laredo, TX 78041 Full Service B&M $64,531
    International Bank of Commerce 455 South Bibb Street, #502 Eagle Pass, TX 78852 Full Service Retail $50,648
    International Bank of Commerce 4622 Everhart Road Corpus Christi, TX 78411 Full Service B&M $11,095
    International Bank of Commerce 500 West 5th Street Austin, TX 78701 Full Service B&M $188,098
    International Bank of Commerce 5029 Broadway Street San Antonio, TX 78209 Full Service B&M $13,684
    International Bank of Commerce 5085 Westheimer Suite 4640 Houston, TX 77056 Full Service B&M $57,590
    International Bank of Commerce 5250 Fm 1640 Richmond, TX 77469 Full Service B&M $9,415
    International Bank of Commerce 5300 San Dario Ste. 202 Laredo, TX 78041 Full Service Retail $38,184
    International Bank of Commerce 5300 San Dario, Ste 440d Laredo, TX 78041 Full Service Retail $90,272
    International Bank of Commerce 5300 Walzem San Antonio, TX 78217 Full Service B&M $20,640
    International Bank of Commerce 544 W. Grand Parkway South Katy, TX 77494 Full Service B&M $6,209
    International Bank of Commerce 5610 San Bernardo Laredo, TX 78041 Full Service Retail $21,551
    International Bank of Commerce 5615 Kirby Drive Houston, TX 77005 Full Service B&M $418,507
    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 $32,039
    International Bank of Commerce 6130 South Staples Corpus Christi, TX 78413 Full Service B&M $25,766
    International Bank of Commerce 6411 N. Navarro Victoria, TX 77904 Full Service B&M $19,383
    International Bank of Commerce 6630 Callaghan Rd San Antonio, TX 78229 Full Service B&M $29,599
    International Bank of Commerce 7002 San Bernardo Laredo, TX 78040 Full Service B&M $41,690
    International Bank of Commerce 701 W. Highway 71, 701 Bastrop, TX 78602 Full Service B&M $3,578
    International Bank of Commerce 7909 Mcpherson Ave. Laredo, TX 78045 Full Service B&M $77,499
    International Bank of Commerce 802 S. Jackson Rd. Mcallen, TX 78503 Full Service B&M $23,216
    International Bank of Commerce 8042 Wurzback, Suite 105 San Antonio, TX 78229 Full Service B&M $18
    International Bank of Commerce 8203 South Kirkwood Road Houston, TX 77072 Full Service B&M $58,888
    International Bank of Commerce 8650 Fredricksburg San Antonio, TX 78240 Full Service B&M $4,737
    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 $21,579
    International Bank of Commerce 938 South Military Dr. San Antonio, TX 78214 Full Service B&M $5,153
    International Bank of Commerce 9710 Mines Rd Laredo, TX 78045 Full Service B&M $40,740
    International Bank of Commerce 9900 South Ih 35 Austin, TX 78748 Full Service B&M $3,803
    International Bank of Commerce Expressway 83, 1705 Expressway 83 Penitas, TX 78576 Full Service Retail $10,001
    International Bank of Commerce Kelvin Dr & Nottingham St Houston, TX 77005 Limited, Drive-thru $0

    For 2019, International Bank Of Commerce had 122 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $366,640
    Net interest income $327,366
    Total noninterest income $124,567
    Gross Fiduciary activities income $267
    Service charges on deposit accounts $47,609
    Trading account gains and fees $0
    Additional Noninterest Income $76,691
    Pre-tax net operating income $210,910
    Securities gains (or losses, -) $-12
    Income before extraordinary items $165,623
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $165,623
    Minority interest net income $0
    Net income $165,623
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $165,632

    International Bank Of Commerce's gross interest income from loans was $366,640,000.
    International Bank Of Commerce's net interest income from loans was $327,366,000.
    International Bank Of Commerce's fee based income from loans was $47,609,000.
    International Bank Of Commerce's net income from loans was $165,623,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $39,274
    Provision for credit losses $7,565
    Total noninterest expense $233,458
    Salaries and employee benefits $112,044
    Premises and equipment expense $40,170
    Additional noninterest expense $81,244
    Applicable income taxes $45,275
    Net charge-offs $6,344
    Cash dividends $99,000

    International Bank Of Commerce's interest expense for loans was $39,274,000.
    International Bank Of Commerce's payroll and benefits expense were $112,044,000.
    International Bank Of Commerce's property, plant and equipment expenses $40,170,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 4.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.2%
    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 $6,288,685
    Deposits held in domestic offices $6,288,685
    Deposits by Individuals, partnerships, and corporations $6,148,442
    Deposits by U.S. Government $17
    Deposits by States and political subdivisions in the U.S. $69,292
    Deposits by Commercial banks and other depository institutions in U.S. $70,934
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,428,201
    Demand deposits $1,146,484
    Nontransaction accounts $4,860,484
    Money market deposit accounts (MMDAs) $2,924,441
    Other savings deposits (excluding MMDAs) $569,143
    Total time deposits $1,366,900
    Total time and savings deposits $5,142,201
    Noninterest-bearing deposits $2,695,004
    Interest-bearing deposits $3,593,681
    Retail deposits $5,662,035
    IRAs and Keogh plan accounts $35,408
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,724,864
    Cash & Balances due from depository institutions $196,233
    Interest-bearing balances $23,226
    Total securities $2,360,459
    Federal funds sold & reverse repurchase $2,825
    Net loans and leases $5,180,025
    Loan and leases loss allowance $43,817
    Trading account assets $0
    Bank premises and fixed assets $310,703
    Other real estate owned $47,575
    Goodwill and other intangibles $226,852
    All other assets $400,192

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,724,864
    Total Liabilities $7,217,999
    Total deposits $6,288,685
    Interest-bearing deposits $3,593,681
    Deposits held in domestic offices $6,288,685
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $207,732
    Trading liabilities $0
    Other borrowed funds $615,000
    Subordinated debt $0
    All other liabilities $106,582

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,180,025
    Loan and leases loss allowance $43,817
    Total loans and leases (domestic) $5,223,842
    All real estate loans $4,309,853
    Real estate loans in domestic offices $4,309,853
    Construction and development loans $1,960,101
    Residential 1-4 family construction $285,627
    Other construction, all land development and other land $1,674,474
    Loans secured by nonfarm nonresidential properties $1,198,265
    Nonfarm nonresidential secured by owner-occupied properties $307,856
    Commercial real estate & other non-farm, non-residential $890,409
    Multifamily residential real estate $96,327
    1-4 family residential loans $919,557
    Farmland loans $135,603
    Loans held in foreign offices $0
    Farm loans $7,895
    Commercial and industrial loans $827,695
    To non-U.S. addressees $57,334
    Loans to individuals $58,431
    Credit card loans $1,529
    Related Plans $1,017
    Consumer Auto Loans $4,112
    Other loans to individuals $51,773
    All other loans & leases $19,969
    Loans to foreign governments and official institutions $0
    Other loans $19,969
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $99,869
    Loans secured by real estate to non-U.S. addressees $35,623
    Restructured Loans & leases $6,083
    Non 1-4 family restructured loans & leases $821
    Total loans and leases (foreign) $0

    International Bank of Commerce had $5,180,025,000 of loans outstanding in 2019. $4,309,853,000 of loans were in real estate loans. $1,960,101,000 of loans were in development loans. $96,327,000 of loans were in multifamily mortgage loans. $919,557,000 of loans were in 1-4 family mortgage loans. $7,895,000 of loans were in farm loans. $1,529,000 of loans were in credit card loans. $4,112,000 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 536 $114,330 $213,302
    Nonfarm, nonresidential loans - <$100k 113 $4,716 $41,735
    Nonfarm, nonresidential loans - $100-250k 194 $25,252 $130,165
    Nonfarm, nonresidential loans - $250k-1MM 229 $84,362 $368,393
    Commercial & Industrial, US addressed loans - <$1MM 904 $96,957 $107,253
    Commercial & Industrial, US addressed loans - <$100k 512 $14,533 $28,385
    Commercial & Industrial, US addressed loans - $100-250k 217 $23,483 $108,217
    Commercial & Industrial, US addressed loans - $250k-1MM 175 $58,941 $336,806
    Farmland loans - <$1MM 45 $6,249 $138,867
    Farmland loans - <$100k 17 $572 $33,647
    Farmland loans - $100-250k 16 $2,139 $133,688
    Farmland loans - $250k-1MM 12 $3,538 $294,833
    Agriculture operations loans - <$1MM 31 $2,015 $65,000
    Agriculture operations loans - <$100k 21 $466 $22,190
    Agriculture operations loans - $100-250k 6 $499 $83,167
    Agriculture operations loans - $250k-1MM 4 $1,050 $262,500