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International Bank of Commerce
Laredo, TX·FDIC Cert #19629·Charter: STATE·Est. 19660902.0·HC: INTERNATIONAL BANCSHARES CORP
Total Assets
$9.8B
Q4 2025
Return on Assets
2.92%
+0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
36.17%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.92%+0.04
ROE
15.32%-0.02
Efficiency
36.17%-0.94
Equity/Assets
0.00%+0.00
NPL Ratio
0.81%-0.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
103.12%+1.21
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.7 | 2.7 | 2.7 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 |
| ROE | 16.0 | 15.7 | 15.7 | 16.4 | 15.3 | 15.4 | 15.3 | 15.3 |
| Efficiency | 33.0 | 34.7 | 35.3 | 34.9 | 36.6 | 37.0 | 37.1 | 36.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 1.0 | 1.2 | 1.1 | 1.1 | 1.1 | 1.0 | 0.8 |
| Charge-offs | 1.8 | 1.0 | 0.7 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 88.3 | 91.2 | 95.9 | 99.0 | 97.7 | 98.0 | 101.9 | 103.1 |
Balance Sheet
Total Assets$9.8B
Total Deposits$6.5B
Total Loans$6.7B
Total Equity$2.0B
Profitability
ROA2.92%
ROE15.32%
Efficiency Ratio36.17%
Net Income$281.3M
Risk & Asset Quality
NPL Ratio0.81%
Charge-off Rate0.03%
Loan/Deposit103.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans