Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.4 and a capital leverage ratio of 13.3. A current level of 0.6 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.1) profitability.
Asset Mix:
Securities (56%), home mtgs (12%), comm re (4%), comm loans (4%), cash (3%), consumer loans (2%), other (20%)
States with Branches:
TX
Corporate Info
International Bancshares Corporation
908 North US Highway 83
Zapata, TX 78076
Zapata, TX 78076
(956) 765-8361
1984
Largest Affiliates
Laredo, TX
-
Bank
Brownsville, TX
-
Bank
Oklahoma City, OK
-
Bank
Laredo, TX
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Bank