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International Bank of Commerce
Brownsville, TX·FDIC Cert #25679·Charter: STATE·Est. 19841009.0·HC: INTERNATIONAL BANCSHARES CORP
Total Assets
$4.4B
Q4 2025
Return on Assets
2.18%
-0.05%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
35.25%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
73
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.18%-0.05
ROE
18.95%-0.86
Efficiency
35.25%+0.17
Equity/Assets
0.00%+0.00
NPL Ratio
6.28%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
39.63%-0.62
Charge-offs
0.12%+0.01
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 | 2.6 | 2.6 | 2.5 | 2.2 | 2.2 | 2.2 | 2.2 |
| ROE | 31.1 | 30.0 | 28.2 | 27.2 | 20.5 | 19.7 | 19.8 | 18.9 |
| Efficiency | 32.0 | 32.9 | 33.0 | 33.3 | 35.3 | 35.4 | 35.1 | 35.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.9 | 3.0 | 3.1 | 6.4 | 6.1 | 6.3 | 6.3 | 6.3 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 37.1 | 36.5 | 36.4 | 38.6 | 40.5 | 40.0 | 40.3 | 39.6 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.8B
Total Loans$1.5B
Total Equity$551.7M
Profitability
ROA2.18%
ROE18.95%
Efficiency Ratio35.25%
Net Income$93.5M
Risk & Asset Quality
NPL Ratio6.28%
Charge-off Rate0.12%
Loan/Deposit39.63%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans