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™
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    • 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 and Refi 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: Austin, Houston, Dallas, Laredo, and San Antonio among others. We have data for 60 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% 4/21/24
    30 Year Conventional Refi 6.69% 4/21/24
    30 Year Cash-out Refi 6.86% 4/21/24
    30 Year FHA Purchase 7.80% 4/21/24
    30 Year FHA Refi 8.12% 4/21/24
    30 Year VA Purchase 6.33% 4/21/24
    15 Year Conventional Purchase 7.30% 4/21/24
    15 Year Conventional Refi 7.26% 4/21/24
    15 Year Cash-out Refi 7.26% 4/21/24
    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

    2,667

    Origination Dollar Volume (All Markets)

    $428,445,000

    Employee count

    1,812

    Awards

    International Bank of Commerce 30 Year Conventional Loans bronze International Bank of Commerce 30 Year Conventional Loans gold International Bank of Commerce 30 Year Conventional Loans bronze International Bank of Commerce 30 Year Conventional Loans bronze
    Show all (4) 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
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 449 $104,145,000 $231,949 $1,054 5.16%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 757 $98,445,000 $130,046 $948 5.31%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 656 $76,580,000 $116,738 $767 5.41%
    LAREDO, TX (FHA|USDA|VA) 113 $28,225,000 $249,779 $4,159 3.55%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 177 $28,195,000 $159,294 $1,832 4.72%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 104 $20,820,000 $200,192 $3,894 3.94%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 62 $11,960,000 $192,903 $3,894 3.98%
    TULSA, OK (FHA|USDA|VA) 59 $9,065,000 $153,644 $3,137 4.02%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 24 $6,960,000 $290,000 $2,661 4.43%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $6,915,000 $2,305,000 $0 4.50%
    Outside of Metro Areas 47 $6,915,000 $147,128 $1,568 5.23%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 43 $6,425,000 $149,419 $2,789 3.80%
    Eagle Pass, TX (FHA|USDA|VA) 18 $2,700,000 $150,000 $3,335 3.83%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $1,885,000 $628,333 $8,067 5.13%
    LUBBOCK, TX (FHA|USDA|VA) 14 $1,770,000 $126,429 $716 5.38%
    EL PASO, TX (FHA|USDA|VA) 11 $1,735,000 $157,727 $1,061 5.25%
    MIDLAND, TX (FHA|USDA|VA) 11 $1,525,000 $138,636 $665 5.61%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 13 $1,525,000 $117,308 $894 5.21%
    Rockport, TX (FHA|USDA|VA) 8 $1,070,000 $133,750 $1,457 5.14%
    Stillwater, OK (FHA|USDA|VA) 4 $900,000 $225,000 $3,017 3.88%
    Athens, TX (FHA|USDA|VA) 6 $800,000 $133,333 $623 6.12%
    VICTORIA, TX (FHA|USDA|VA) 5 $695,000 $139,000 $1,543 5.00%
    Port Lavaca, TX (FHA|USDA|VA) 4 $640,000 $160,000 $6,748 5.06%
    Miami, OK (FHA|USDA|VA) 4 $520,000 $130,000 $3,395 2.78%
    WACO, TX (FHA|USDA|VA) 4 $500,000 $125,000 $504 5.44%
    Gainesville, TX (FHA|USDA|VA) 3 $455,000 $151,667 $526 5.99%
    Del Rio, TX (FHA|USDA|VA) 2 $440,000 $220,000 $4,864 3.06%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $425,000 $85,000 $516 5.59%
    Corsicana, TX (FHA|USDA|VA) 2 $410,000 $205,000 $585 5.88%
    Fredericksburg, TX (FHA|USDA|VA) 4 $400,000 $100,000 $462 5.93%
    Kingsville, TX (FHA|USDA|VA) 2 $390,000 $195,000 $3,924 3.19%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $390,000 $65,000 $669 5.68%
    ABILENE, TX (FHA|USDA|VA) 2 $370,000 $185,000 $506 5.25%
    Granbury, TX (FHA|USDA|VA) 3 $325,000 $108,333 $520 6.08%
    SAN ANGELO, TX (FHA|USDA|VA) 3 $315,000 $105,000 $710 5.62%
    Andrews, TX (FHA|USDA|VA) 2 $290,000 $145,000 $794 6.62%
    TYLER, TX (FHA|USDA|VA) 2 $250,000 $125,000 $598 5.12%
    Duncan, OK (FHA|USDA|VA) 3 $235,000 $78,333 $3,309 4.08%
    Altus, OK (FHA|USDA|VA) 1 $225,000 $225,000 $5,259 3.38%
    Brenham, TX (FHA|USDA|VA) 2 $210,000 $105,000 $494 6.00%
    Ardmore, OK (FHA|USDA|VA) 2 $210,000 $105,000 $1,606 4.19%
    LAWTON, OK (FHA|USDA|VA) 3 $205,000 $68,333 $1,748 4.79%
    Elk City, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,372 3.25%
    AMARILLO, TX (FHA|USDA|VA) 2 $190,000 $95,000 $455 5.37%
    LONGVIEW, TX (FHA|USDA|VA) 2 $190,000 $95,000 $470 5.88%
    Stephenville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,811 3.75%
    Bay City, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,837 3.25%
    Uvalde, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,412 3.75%
    Ponca City, OK (FHA|USDA|VA) 1 $125,000 $125,000 $6,212 3.50%
    Huntsville, TX (FHA|USDA|VA) 2 $110,000 $55,000 $687 5.56%
    Mineral Wells, TX (FHA|USDA|VA) 1 $105,000 $105,000 $789 4.99%
    Kerrville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $472 6.00%
    Bartlesville, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,154 4.25%
    McAlester, OK (FHA|USDA|VA) 1 $85,000 $85,000 $647 6.50%
    Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $85,000 $85,000 $2,624 3.38%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $75,000 $75,000 $548 5.24%
    Zapata, TX (FHA|USDA|VA) 1 $45,000 $45,000 $3,971 5.00%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $35,000 $35,000 $663 6.00%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $25,000 $25,000 $694 5.50%
    Pearsall, TX (FHA|USDA|VA) 1 $25,000 $25,000 $3,382 5.25%
    International Bank Of Commerce's top markets include Austin, Houston, Dallas, Laredo, and San Antonio among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,621 $420,435,000 $160,410 $1,319 5.06%
    FHA 40 $6,550,000 $163,750 $6,670 3.53%
    USDA 4 $760,000 $190,000 $4,957 3.28%
    VA 2 $700,000 $350,000 $12,147 2.94%

    For 2020, International Bank Of Commerce's most frequently originated type of loan was Conventional, with 2,621 originations. Their 2nd most popular type was FHA, with 40 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,487 $257,035,000 $172,855 $1,167 5.28%
    Refi 930 $129,980,000 $139,763 $1,490 4.73%
    Cash Out Refi 123 $28,605,000 $232,561 $4,204 3.90%
    Home Improvement 97 $9,465,000 $97,577 $950 5.49%
    Other 30 $3,360,000 $112,000 $1,736 4.95%

    For 2020, International Bank Of Commerce's most frequently cited loan purpose was Home Purchase, with 1,487 originations. The 2nd most popular reason was Refi, with 930 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,815 $216,115,000 $119,072 $884 5.24%
    20 Year 378 $38,910,000 $102,937 $928 5.61%
    30 Year 350 $92,040,000 $262,971 $4,843 3.44%
    10 Year 75 $6,775,000 $90,333 $1,276 4.56%
    5 Year 26 $13,740,000 $528,462 $164 5.05%
    Other 19 $57,295,000 $3,015,526 $0 4.55%
    1 Year 4 $3,570,000 $892,500 $0 5.00%

    For 2020, International Bank Of Commerce's most frequently cited loan duration was 15 Year, with 1,815 originations. The 2nd most popular length was 20 Year, with 378 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,146 $236,230,000 $110,079
    $1k-2k 336 $78,000,000 $232,143
    $2k-3k 62 $16,660,000 $268,710
    $3k-4k 26 $9,000,000 $346,154
    $4k-5k 11 $4,155,000 $377,727
    $5k+ 11 $5,455,000 $495,909

    International Bank Of Commerce's average total fees were $4,843, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,146 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,652 $181,600,000 $109,927
    4-5% 325 $51,525,000 $158,538
    3-4% 249 $109,945,000 $441,546
    2.5-3% 228 $56,000,000 $245,614
    6-7% 164 $16,620,000 $101,341
    <2.5% 39 $11,675,000 $299,359
    7-8% 10 $1,080,000 $108,000

    During 2020, International Bank Of Commerce's average interest rate for loans was 3.44%, while their most frequently originated rate bucket for loans was 5-6%, with 1,652 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,231 $78,995,000 $64,171 $686 5.43%
    $100k-200k 915 $126,405,000 $138,148 $1,343 5.05%
    $200k-400k 415 $109,805,000 $264,590 $2,758 4.20%
    $400k-600k 87 $41,235,000 $473,966 $6,059 3.24%
    $1MM+ 15 $69,425,000 $4,628,333 $14,698 4.29%
    $600k-1MM 4 $2,580,000 $645,000 $6,845 4.94%

    2020 saw International Bank Of Commerce place emphasis on $100,000 or less loans with 1,231 originations, totaling $78,995,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,009 $124,065,000 $122,958 $947 5.34%
    $250k+ 876 $132,500,000 $151,256 $906 5.32%
    $100k-150k 326 $41,660,000 $127,791 $1,899 4.84%
    $50k or less 122 $12,260,000 $100,492 $2,980 4.05%
    $50k-75k 117 $15,605,000 $133,376 $3,579 3.82%
    $75k-100k 117 $19,405,000 $165,855 $3,448 3.89%

    International Bank Of Commerce lent most frequently to those with incomes in the $150k-250k range, with 1,009 originations. The second most popular income band? $250k+, with 876 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 575 $73,065,000 $127,070 $1,241 5.02%
    30-36% 551 $74,265,000 $134,782 $1,373 5.03%
    <20% 157 $23,295,000 $148,376 $1,565 4.77%
    46% 151 $18,135,000 $120,099 $1,003 5.32%
    42% 131 $17,545,000 $133,931 $1,657 5.11%
    41% 126 $18,590,000 $147,540 $1,494 5.08%
    38% 121 $16,185,000 $133,760 $1,420 5.09%
    40% 115 $13,885,000 $120,739 $1,247 5.17%
    44% 112 $16,880,000 $150,714 $1,607 5.03%
    43% 112 $14,470,000 $129,196 $1,403 5.13%
    36% 107 $12,375,000 $115,654 $1,197 5.22%
    39% 105 $14,295,000 $136,143 $1,306 5.00%
    45% 99 $12,225,000 $123,485 $1,166 5.25%
    37% 89 $10,085,000 $113,315 $1,120 5.21%
    49% 24 $6,640,000 $276,667 $4,720 3.66%
    48% 23 $5,515,000 $239,783 $4,245 3.52%
    47% 16 $5,580,000 $348,750 $5,304 3.70%
    50-60% 2 $280,000 $140,000 $6,705 4.19%

    International Bank Of Commerce lent most frequently to those with DTI ratios of 20-30%, with 575 originations. The next most common DTI ratio? 30-36%, with 551 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,994 $271,010,000 $135,913 $1,457 5.01%
    Not applicable 41 $70,415,000 $1,717,439 $0 4.78%
    Not provided 334 $50,500,000 $151,198 $1,456 5.03%
    Asian 199 $23,905,000 $120,126 $964 5.19%
    Black 64 $8,480,000 $132,500 $1,201 5.37%
    Asian Indian 15 $1,795,000 $119,667 $759 5.44%
    American Indian 16 $1,740,000 $108,750 $2,522 4.50%
    Korean 1 $285,000 $285,000 $3,339 3.25%
    Vietnamese 2 $180,000 $90,000 $538 5.25%
    Native Hawaiian or Islander 1 $135,000 $135,000 $448 5.25%

    Approval Rates

    Total approvals of all applications
    88.10%

    International Bank Of Commerce has an average approval rate.

    Pick Rate

    Approvals leading to origination
    64.94%

    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 2,667 $428,445,000 $160,647

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $54,310,000 $5,431,000
    Single Family (1-4 Units):Site-Built 2,657 $374,135,000 $140,811

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 411 $78,675,000 $191,423 $712 5.49%
    40-60% 120 $75,380,000 $628,167 $3,677 3.61%
    60-80% 293 $83,785,000 $285,956 $4,280 3.58%
    80-100% 224 $51,990,000 $232,098 $4,708 3.40%
    Over 100% 3 $915,000 $305,000 $9,865 2.83%
    Under 20% 1,616 $137,700,000 $85,210 $552 5.51%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 57.1%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Closing on a mortgage 1 14.3%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Trouble during payment process 2 28.6%

    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 $796,796
    International Bank of Commerce 100 E. 495 San Juan, TX 78589 Full Service Retail $9,764
    International Bank of Commerce 1001 Mckinney Suite 150 Houston, TX 77002 Full Service B&M $8,470
    International Bank of Commerce 1002 Matamoros Street Laredo, TX 78042 Full Service B&M $35,179
    International Bank of Commerce 1007 North I Road Pharr, TX 78577 Full Service B&M $28,018
    International Bank of Commerce 1023 S. Bridge Hidalgo, TX 78557 Full Service B&M $46,328
    International Bank of Commerce 10405 Fm 2222 Austin, TX 78730 Full Service B&M $3,840
    International Bank of Commerce 10570 State Hwy. 6 Sugar Land, TX 77478 Full Service B&M $18,455
    International Bank of Commerce 1081 Wonderworld Drive San Marcos, TX 78666 Full Service B&M $9,685
    International Bank of Commerce 11002 Culebra Rd. San Antonio, TX 78253 Full Service B&M $7,636
    International Bank of Commerce 11400 Burnet Rd. Bldg. 46 Austin, TX 78758 Full Service B&M $7,454
    International Bank of Commerce 11831 Bandera Road Helotes, TX 78023 Full Service B&M $14,342
    International Bank of Commerce 1200 East Jackson Mcallen, TX 78503 Full Service Retail $22,997
    International Bank of Commerce 1200 San Bernardo Avenue Laredo, TX 78040 Full Service B&M $1,523,658
    International Bank of Commerce 1208 North Brazosport Freeport, TX 77541 Full Service B&M $5,513
    International Bank of Commerce 121 S. Shary Road Mission, TX 78572 Full Service B&M $29,222
    International Bank of Commerce 12400 Highway 281 North San Antonio, TX 78216 Full Service B&M $26,806
    International Bank of Commerce 12625 Interstate 35 North Austin, TX 78753 Full Service B&M $5,951
    International Bank of Commerce 130 East Travis San Antonio, TX 78205 Full Service B&M $559,584
    International Bank of Commerce 130 West Mulberry Street Angleton, TX 77515 Full Service B&M $5,675
    International Bank of Commerce 1300 Guadalupe Street Laredo, TX 78040 Full Service B&M $79,504
    International Bank of Commerce 1300 Gulf Gate Center Mall Houston, TX 77087 Full Service Retail $10,471
    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 $20,755
    International Bank of Commerce 1317 Waldron Rd. Corpus Christi, TX 78418 Full Service B&M $6,435
    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 $7,058
    International Bank of Commerce 1421 West Frontage Rd Alamo, TX 78516 Full Service Retail $22,954
    International Bank of Commerce 1500 Northeast Loop 410 San Antonio, TX 78209 Full Service B&M $12,238
    International Bank of Commerce 1507 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $18,623
    International Bank of Commerce 1545 Eldridge Parkway Houston, TX 77077 Full Service B&M $14,591
    International Bank of Commerce 1600 Water Street, B-520 Laredo, TX 78040 Full Service B&M $4,286
    International Bank of Commerce 16339 Huebner San Antonio, TX 78248 Full Service B&M $11,529
    International Bank of Commerce 1695 S Highway 183 Leander, TX 78641 Full Service B&M $2,633
    International Bank of Commerce 1724 West University Drive Edinburg, TX 78539 Full Service Retail $27,847
    International Bank of Commerce 1800 U.S. Highway 181 Portland, TX 78374 Full Service B&M $12,075
    International Bank of Commerce 1850 Gattis School Rd. Round Rock, TX 78664 Full Service Retail $5,953
    International Bank of Commerce 18750 Stone Oak Parkway San Antonio, TX 78258 Full Service B&M $55,252
    International Bank of Commerce 1916 Seventh Street Bay City, TX 77414 Full Service B&M $59,699
    International Bank of Commerce 200 E. Griffin Parkway Mission, TX 78572 Full Service Retail $13,278
    International Bank of Commerce 200 South Pecan Street Luling, TX 78648 Full Service B&M $33,978
    International Bank of Commerce 2065 East Main Uvalde, TX 78801 Full Service B&M $9,197
    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 $13,507
    International Bank of Commerce 2135 E. Main Eagle Pass, TX 78852 Full Service Retail $11,638
    International Bank of Commerce 215 East Mile 3 Road Palmhurst, TX 78574 Full Service B&M $18,019
    International Bank of Commerce 215 West Main Avenue Alton, TX 78573 Full Service Retail $5,026
    International Bank of Commerce 5300 San Dario, Ste 440d Laredo, TX 78041 Full Service Retail $98,574
    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 $214,886
    International Bank of Commerce 2200 S. 10th St. La Plaza Mall Mcallen, TX 78502 Full Service Retail $71,186
    International Bank of Commerce 2201 Northwest Military Highway San Antonio, TX 78213 Full Service B&M $64,088
    International Bank of Commerce 2205 Veterans Blvd. Del Rio, TX 78840 Full Service B&M $7,827
    International Bank of Commerce 2205 W. University Drive Edinburg, TX 78541 Full Service B&M $23,480
    International Bank of Commerce 221 South Shoreline Boulevard Corpus Christi, TX 78403 Full Service B&M $171,219
    International Bank of Commerce 2225 Nolana Mcallen, TX 78504 Full Service B&M $28,608
    International Bank of Commerce 2304 West Fm 646 League City, TX 77573 Full Service B&M $3,660
    International Bank of Commerce 2305 Del Rio Blvd. Eagle Pass, TX 78852 Full Service B&M $21,030
    International Bank of Commerce 2310 Sw Military Dr. Ste. 216 San Antonio, TX 78224 Full Service Retail $14,859
    International Bank of Commerce 2320 Bob Bullock Loop 20 Laredo, TX 78046 Full Service Retail $22,300
    International Bank of Commerce 2329 Main Street Eagle Pass, TX 78852 Full Service B&M $66,166
    International Bank of Commerce 23rd & Trenton Mcallen, TX 78504 Full Service B&M $21,796
    International Bank of Commerce 2401 Hwy. 281 Marble Falls, TX 78654 Full Service B&M $35,172
    International Bank of Commerce 2410 Dodson - Wal-Mart Del Rio, TX 78840 Full Service Retail $7,266
    International Bank of Commerce 2410 East Highway 83 Mission, TX 78572 Full Service Retail $24,395
    International Bank of Commerce 2415 South Zapata Highway Laredo, TX 78046 Full Service B&M $33,912
    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 $21,833
    International Bank of Commerce 2442 San Isidro Parkway Laredo, TX 78045 Full Service B&M $47,190
    International Bank of Commerce 2501 West Wheeler Aransas Pass, TX 78336 Full Service B&M $8,109
    International Bank of Commerce 2538 Main Street Eagle Pass, TX 78852 Full Service B&M $35,469
    International Bank of Commerce 2701 Highway 35 North Rockport, TX 78382 Full Service B&M $52,439
    International Bank of Commerce 2817 E. Cesar Chavez Street Austin, TX 78702 Full Service B&M $9,096
    International Bank of Commerce 2900 W. Expressway 83 Mcallen, TX 78501 Full Service B&M $32,513
    International Bank of Commerce 301 South 10th Mcallen, TX 78501 Full Service B&M $42,311
    International Bank of Commerce 301 W. Whitestone Cedar Park, TX 78613 Full Service B&M $3,143
    International Bank of Commerce 301 West Sinton Street Sinton, TX 78387 Full Service B&M $21,884
    International Bank of Commerce 3100 E. Main Uvalde, TX 78801 Full Service B&M $3,045
    International Bank of Commerce 311 North Virginia Port Lavaca, TX 77979 Full Service B&M $98,586
    International Bank of Commerce 3119 S.E. Military Drive San Antonio, TX 78223 Full Service B&M $9,076
    International Bank of Commerce 327 S.W. Loop 410 San Antonio, TX 78245 Full Service B&M $6,872
    International Bank of Commerce 3600 N 10th St Mcallen, TX 78501 Full Service B&M $44,785
    International Bank of Commerce 3800 Fm-3009 Schertz, TX 78154 Full Service B&M $8,710
    International Bank of Commerce 3939 Montrose Houston, TX 77006 Full Service B&M $14,264
    International Bank of Commerce 400 South Closner Edinburg, TX 78539 Full Service B&M $29,642
    International Bank of Commerce 4001 N. 23rd - Wal-Mart Mcallen, TX 78504 Full Service Retail $17,729
    International Bank of Commerce 401 South Cage Blvd Pharr, TX 78577 Full Service B&M $26,868
    International Bank of Commerce 4025 S Fm 620 Bee Cave, TX 78738 Full Service B&M $2,327
    International Bank of Commerce 4104 Mccoll Edinburg, TX 78539 Full Service Retail $16,080
    International Bank of Commerce 439 Main Street Eagle Pass, TX 78852 Full Service B&M $382,625
    International Bank of Commerce 4401 Hwy 83 South Laredo, TX 78046 Full Service B&M $13,684
    International Bank of Commerce 4501 San Bernardo Laredo, TX 78041 Full Service B&M $76,050
    International Bank of Commerce 455 South Bibb Street, #502 Eagle Pass, TX 78852 Full Service Retail $58,820
    International Bank of Commerce 4622 Everhart Road Corpus Christi, TX 78411 Full Service B&M $13,512
    International Bank of Commerce 500 West 5th Street Austin, TX 78701 Full Service B&M $266,052
    International Bank of Commerce 5029 Broadway Street San Antonio, TX 78209 Full Service B&M $17,434
    International Bank of Commerce 5085 Westheimer Suite 4640 Houston, TX 77056 Full Service B&M $67,904
    International Bank of Commerce 5250 Fm 1640 Richmond, TX 77469 Full Service B&M $11,439
    International Bank of Commerce 5300 San Dario Ste. 202 Laredo, TX 78041 Full Service Retail $38,929
    International Bank of Commerce 5300 Walzem San Antonio, TX 78217 Full Service B&M $25,705
    International Bank of Commerce 544 W. Grand Parkway South Katy, TX 77494 Full Service B&M $10,448
    International Bank of Commerce 5610 San Bernardo Laredo, TX 78041 Full Service Retail $24,728
    International Bank of Commerce 5615 Kirby Drive Houston, TX 77005 Full Service B&M $434,334
    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 $39,004
    International Bank of Commerce 6130 South Staples Corpus Christi, TX 78413 Full Service B&M $32,599
    International Bank of Commerce 6411 N. Navarro Victoria, TX 77904 Full Service B&M $20,160
    International Bank of Commerce 6630 Callaghan Rd San Antonio, TX 78229 Full Service B&M $38,357
    International Bank of Commerce 7002 San Bernardo Laredo, TX 78040 Full Service B&M $44,922
    International Bank of Commerce 701 W. Highway 71, 701 Bastrop, TX 78602 Full Service B&M $3,421
    International Bank of Commerce 7909 Mcpherson Ave. Laredo, TX 78045 Full Service B&M $96,073
    International Bank of Commerce 802 S. Jackson Rd. Mcallen, TX 78503 Full Service B&M $33,772
    International Bank of Commerce 8042 Wurzback, Suite 105 San Antonio, TX 78229 Full Service B&M $16
    International Bank of Commerce 8203 South Kirkwood Road Houston, TX 77072 Full Service B&M $64,843
    International Bank of Commerce 8650 Fredricksburg San Antonio, TX 78240 Full Service B&M $6,765
    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 $25,586
    International Bank of Commerce 938 South Military Dr. San Antonio, TX 78214 Full Service B&M $7,509
    International Bank of Commerce 9710 Mines Rd Laredo, TX 78045 Full Service B&M $50,065
    International Bank of Commerce 9900 South Ih 35 Austin, TX 78748 Full Service B&M $4,852
    International Bank of Commerce Expressway 83, 1705 Expressway 83 Penitas, TX 78576 Full Service Retail $12,479
    International Bank of Commerce Kelvin Dr & Nottingham St Houston, TX 77005 Limited, Drive-thru $0

    For 2020, International Bank Of Commerce had 122 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $316,211
    Net interest income $289,025
    Total noninterest income $118,756
    Gross Fiduciary activities income $291
    Service charges on deposit accounts $40,958
    Trading account gains and fees $0
    Additional Noninterest Income $77,507
    Pre-tax net operating income $164,806
    Securities gains (or losses, -) $-5
    Income before extraordinary items $129,201
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $129,201
    Minority interest net income $0
    Net income $129,201
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $129,204

    International Bank Of Commerce's gross interest income from loans was $316,211,000.
    International Bank Of Commerce's net interest income from loans was $289,025,000.
    International Bank Of Commerce's fee based income from loans was $40,958,000.
    International Bank Of Commerce's net income from loans was $129,201,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $27,186
    Provision for credit losses $33,143
    Total noninterest expense $209,832
    Salaries and employee benefits $101,261
    Premises and equipment expense $35,957
    Additional noninterest expense $72,614
    Applicable income taxes $35,600
    Net charge-offs $4,217
    Cash dividends $94,500

    International Bank Of Commerce's interest expense for loans was $27,186,000.
    International Bank Of Commerce's payroll and benefits expense were $101,261,000.
    International Bank Of Commerce's property, plant and equipment expenses $35,957,000.

    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 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.5%
    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 $7,589,761
    Deposits held in domestic offices $7,589,761
    Deposits by Individuals, partnerships, and corporations $7,414,922
    Deposits by U.S. Government $10
    Deposits by States and political subdivisions in the U.S. $76,192
    Deposits by Commercial banks and other depository institutions in U.S. $98,637
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,827,492
    Demand deposits $1,516,019
    Nontransaction accounts $5,762,269
    Money market deposit accounts (MMDAs) $3,567,137
    Other savings deposits (excluding MMDAs) $747,889
    Total time deposits $1,447,241
    Total time and savings deposits $6,073,742
    Noninterest-bearing deposits $3,520,150
    Interest-bearing deposits $4,069,611
    Retail deposits $6,866,462
    IRAs and Keogh plan accounts $34,039
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $10,517,055
    Cash & Balances due from depository institutions $1,920,005
    Interest-bearing balances $1,728,785
    Total securities $2,004,993
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,662,824
    Loan and leases loss allowance $82,042
    Trading account assets $0
    Bank premises and fixed assets $291,636
    Other real estate owned $41,341
    Goodwill and other intangibles $227,039
    All other assets $369,217

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $10,517,055
    Total Liabilities $8,971,660
    Total deposits $7,589,761
    Interest-bearing deposits $4,069,611
    Deposits held in domestic offices $7,589,761
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $887,060
    Trading liabilities $0
    Other borrowed funds $425,000
    Subordinated debt $0
    All other liabilities $69,839

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,662,824
    Loan and leases loss allowance $82,042
    Total loans and leases (domestic) $5,744,866
    All real estate loans $4,426,400
    Real estate loans in domestic offices $4,426,400
    Construction and development loans $1,559,199
    Residential 1-4 family construction $172,165
    Other construction, all land development and other land $1,387,034
    Loans secured by nonfarm nonresidential properties $1,576,556
    Nonfarm nonresidential secured by owner-occupied properties $343,613
    Commercial real estate & other non-farm, non-residential $1,232,943
    Multifamily residential real estate $347,746
    1-4 family residential loans $804,079
    Farmland loans $138,820
    Loans held in foreign offices $0
    Farm loans $7,026
    Commercial and industrial loans $1,256,191
    To non-U.S. addressees $62,351
    Loans to individuals $49,833
    Credit card loans $863
    Related Plans $1,235
    Consumer Auto Loans $3,849
    Other loans to individuals $43,886
    All other loans & leases $5,415
    Loans to foreign governments and official institutions $0
    Other loans $5,415
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $110,101
    Loans secured by real estate to non-U.S. addressees $28,976
    Restructured Loans & leases $6,473
    Non 1-4 family restructured loans & leases $631
    Total loans and leases (foreign) $0

    International Bank of Commerce had $5,662,824,000 of loans outstanding in 2020. $4,426,400,000 of loans were in real estate loans. $1,559,199,000 of loans were in development loans. $347,746,000 of loans were in multifamily mortgage loans. $804,079,000 of loans were in 1-4 family mortgage loans. $7,026,000 of loans were in farm loans. $863,000 of loans were in credit card loans. $3,849,000 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 532 $118,565 $222,867
    Nonfarm, nonresidential loans - <$100k 106 $4,321 $40,764
    Nonfarm, nonresidential loans - $100-250k 192 $25,097 $130,714
    Nonfarm, nonresidential loans - $250k-1MM 234 $89,147 $380,970
    Commercial & Industrial, US addressed loans - <$1MM 3,426 $269,040 $78,529
    Commercial & Industrial, US addressed loans - <$100k 2,576 $69,825 $27,106
    Commercial & Industrial, US addressed loans - $100-250k 511 $69,206 $135,432
    Commercial & Industrial, US addressed loans - $250k-1MM 339 $130,009 $383,507
    Farmland loans - <$1MM 42 $6,310 $150,238
    Farmland loans - <$100k 12 $547 $45,583
    Farmland loans - $100-250k 19 $2,663 $140,158
    Farmland loans - $250k-1MM 11 $3,100 $281,818
    Agriculture operations loans - <$1MM 27 $1,600 $59,259
    Agriculture operations loans - <$100k 18 $276 $15,333
    Agriculture operations loans - $100-250k 5 $546 $109,200
    Agriculture operations loans - $250k-1MM 4 $778 $194,500