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International Bank Of Commerce
Zapata, TX · FDIC Certificate #24961 · Chartered 02/0
Total assets
$567.78M
Total deposits
$457.01M
Total equity
$62.80M
Net loans
$140.40M
Branches (offices)
9
Net income (YTD)
$4.86M
Rank: #1,623 of 4,213 U.S. banks by assets · #148 of 346 in Texas. Assets changed 13.5% and deposits 6.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 15.82% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 11.06% |
| Tier 1 leverage ratio | 13.60% |
| Uninsured deposits (share of deposits) | 21.1% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 30.7% |
| Real estate loans (share of loans) | 72.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $101.04M | 72.0% | |
| Commercial & industrial | $28.38M | 20.2% | |
| Consumer / individual | $9.07M | 6.5% | |
| Construction & development | $18.15M | 12.9% | |
| Agricultural | $3.27M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $473.98M | $405.64M | $2.49M | $56.33M |
| Jun 2023 | $468.14M | $404.56M | $3.78M | $51.07M |
| Jun 2024 | $475.06M | $414.12M | $3.80M | $47.42M |
| Jun 2025 | $500.26M | $428.30M | $3.73M | $57.79M |
| Jun 2026 | $567.78M | $457.01M | $4.86M | $62.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $457.01M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $457.01M.
Similar-sized banks
Panhandle First Bank ($568.69M) · Farmers Bank Of Northern Missouri ($566.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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