🏦Bank Scorer

INTERNATIONAL BANK OF COMMERCE

BROWNSVILLE, TX · Supervised by FDIC

Est. 1984FDIC #25,679RSSD: FDIC-25679
Part ofINTERNATIONAL BANCSHARES CORP→ View all charters
Satisfactory Down

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.07%

Institution Profile

FDIC BankFind

Address

1600 Fm 802, BROWNSVILLE, TX

County

Cameron County

Established

October 9, 1984

Total Assets

$4.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.5B

Total Deposits

$3.9B

Net Loans

$1.5B

Net Income

$23M

ROA

2.07%

ROE

16.50%

Risk-Based Capital

30.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.44%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

41

Branch Deposits

$3.8B

1-Year Change

0

5-year net change: +29 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,43463.53%14.44%
20231,71867.11%13.68%
20221,70261.4%15.04%
20212,53263.94%11.02%
20204,18763.7%12.11%
20193,68166.42%14.40%
20184,48760.22%20.53%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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