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.) Their top markets by origination volume include: Austin, Houston, Dallas, San Antonio, and Mcallen among others. We have data for 56 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% 4/18/24
    30 Year Conventional Refi 6.69% 4/18/24
    30 Year Cash-out Refi 6.86% 4/18/24
    30 Year FHA Purchase 7.80% 4/18/24
    30 Year FHA Refi 8.12% 4/18/24
    30 Year VA Purchase 6.33% 4/18/24
    15 Year Conventional Purchase 7.30% 4/18/24
    15 Year Conventional Refi 7.26% 4/18/24
    15 Year Cash-out Refi 7.26% 4/18/24
    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

    1,619

    Origination Dollar Volume (All Markets)

    $394,575,000

    Employee count

    1,380

    Awards

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

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

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Georgia (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.

    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 208
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    WEOKIE
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    OKLAHOMA CENTRAL Credit Union
    Similarity Rank: 450
    First Oklahoma Mortgage, LLC
    Similarity Rank: 540
    TRUE SKY
    Similarity Rank: 550
    United Heritage Credit Union
    Similarity Rank: 636
    ALLEGIANCE
    Similarity Rank: 657
    CWM PARTNERS, L.P.
    Similarity Rank: 666

    Product Mix

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

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

    Loan Reason

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

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

    Loan Duration/Length

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

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

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,262 $148,340,000 $117,544
    $1k-2k 198 $45,350,000 $229,040
    $2k-3k 35 $9,515,000 $271,857
    $3k-4k 13 $5,085,000 $391,154
    $4k-5k 9 $4,025,000 $447,222
    $5k+ 6 $3,060,000 $510,000

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

    Interest Rates

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

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

    Loan Sizing

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

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

    Applicant Income

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

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

    Applicant Debt to Income Ratio

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

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

    Ethnicity Mix

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

    Approval Rates

    Total approvals of all applications
    89.53%

    International Bank Of Commerce has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.16%

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

    Points and Fees

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

    Occupancy Type Mix

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

    LTV Distribution

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

    Complaints

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

    Bank Details

    Branches

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

    For 2021, International Bank Of Commerce had 121 branches.

    Yearly Performance Overview

    Bank Income

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

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

    Bank Expenses

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

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

    Loan Performance

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

    Deposits

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

    Assets

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

    Liabilities

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

    Issued Loan Types

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

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

    Small Business Loans

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