International Bank Of Commerce Mortgage Rates, Fees & Info
Laredo, TXLEI: 5493005GNZ6EJFS7LM83
Tax ID: 74-1541057
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Bank Data
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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.67% | 9/1/24 |
30 Year Conventional Refi | 6.69% | 9/1/24 |
30 Year Cash-out Refi | 6.86% | 9/1/24 |
30 Year FHA Purchase | 7.80% | 9/1/24 |
30 Year FHA Refi | 8.12% | 9/1/24 |
30 Year VA Purchase | 6.33% | 9/1/24 |
15 Year Conventional Purchase | 7.30% | 9/1/24 |
15 Year Conventional Refi | 7.26% | 9/1/24 |
15 Year Cash-out Refi | 7.26% | 9/1/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,395Origination Dollar Volume (All Markets)
$291,705,000Employee count
2,371 Show all (6) awardsInternational Bank of Commerce - 2019
International Bank of Commerce is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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% |
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.
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications86.15%
International Bank Of Commerce has an average approval rate.
Pick Rate
Approvals leading to origination75.66%
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
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 |