International Bank of Commerce
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 25.6 and a capital leverage ratio of 11.8. Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 2.8 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (9.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (47%), comm re (11%), comm loans (9%), cash (2%), home mtgs (2%), consumer loans (0%), other (29%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
International Bancshares Corporation
Investment Rating
Address
1600 Ruben Torres Boulevard
Brownsville, TX 78521
Brownsville, TX 78521
Phone Number
(956) 547-1000
Year Founded
1984
FDIC Number
Website
Largest Affiliates
Laredo, TX
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Bank
Oklahoma City, OK
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Bank
Laredo, TX
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Bank
Zapata, TX
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Bank
