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Capital Requirements (Tables)
12 Months Ended
Dec. 31, 2025
Capital Requirements  
Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios

For Capital Adequacy

To Be Well-Capitalized

 

Purposes

Under Prompt Corrective

 

Actual

Phase In Schedule

Action Provisions

 

Amount

Ratio

Amount

Ratio

Amount

Ratio

 

(greater than

(greater than

(greater than

(greater than

 

or equal to)

or equal to)

or equal to)

or equal to)

 

(Dollars in Thousands)

 

As of December 31, 2025:

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Common Equity Tier 1 (to Risk Weighted Assets):

Consolidated

$

3,215,422

23.36

%  

$

963,331

 

7.000

%  

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,823,239

20.87

 

611,605

 

7.000

$

567,919

 

6.50

%

International Bank of Commerce, Brownsville

633,425

28.78

154,089

7.000

143,083

6.50

International Bank of Commerce, Oklahoma

 

243,414

20.69

 

82,360

 

7.000

 

76,477

 

6.50

Commerce Bank

 

86,658

31.63

 

19,180

 

7.000

 

17,810

 

6.50

International Bank of Commerce, Zapata

 

70,163

32.63

 

15,051

 

7.000

13,976

 

6.50

Total Capital (to Risk Weighted Assets):

Consolidated

$

3,452,837

25.09

%  

$

1,444,997

 

10.500

%  

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,932,526

22.12

 

917,407

 

10.500

$

873,721

 

10.00

%

International Bank of Commerce, Brownsville

660,969

30.03

231,134

10.500

220,127

10.00

International Bank of Commerce, Oklahoma

 

254,835

21.66

 

123,539

 

10.500

 

117,657

 

10.00

Commerce Bank

 

89,515

32.67

 

28,769

 

10.500

 

27,399

 

10.00

International Bank of Commerce, Zapata

 

72,573

33.75

 

22,577

 

10.500

 

21,502

 

10.00

Tier 1 Capital (to Risk Weighted Assets):

Consolidated

$

3,289,921

23.91

%  

$

1,169,760

 

8.500

%  

 

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,823,239

20.87

 

742,663

 

8.500

$

698,977

 

8.00

%

International Bank of Commerce, Brownsville

633,425

28.78

187,108

8.500

176,102

8.00

International Bank of Commerce, Oklahoma

 

243,414

20.69

 

100,008

 

8.500

 

94,125

 

8.00

Commerce Bank

 

86,658

31.63

 

23,289

 

8.500

 

21,920

 

8.00

International Bank of Commerce, Zapata

 

70,163

32.63

 

18,277

 

8.500

 

17,202

 

8.00

Tier 1 Capital (to Average Assets):

Consolidated

$

3,289,921

19.86

%  

$

662,702

 

4.00

%  

$

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,823,239

18.58

 

392,594

 

4.00

 

490,743

 

5.00

%

International Bank of Commerce, Brownsville

633,425

14.17

178,829

4.00

223,536

5.00

International Bank of Commerce, Oklahoma

 

243,414

14.68

 

66,316

 

4.00

 

82,896

 

5.00

Commerce Bank

 

86,658

11.54

 

30,039

 

4.00

 

37,549

 

5.00

International Bank of Commerce, Zapata

 

70,163

13.43

 

20,898

 

4.00

 

26,123

 

5.00

To Be Well-Capitalized

For Capital Adequacy

Under Prompt Corrective

Actual

Purposes

Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

 

(greater than

(greater than

(greater than

(greater than

 

or equal to)

or equal to)

or equal to)

or equal to)

 

(Dollars in Thousands)

 

As of December 31, 2024:

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

  ​ ​ ​

Common Equity Tier 1 (to Risk Weighted Assets):

Consolidated

$

2,893,228

22.42

%  

$

903,203

 

7.000

%  

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,638,720

19.46

 

589,359

 

7.000

$

547,262

 

6.50

%

International Bank of Commerce, Oklahoma

554,879

26.11

148,761

7.000

138,136

6.50

International Bank of Commerce, Brownsville

 

240,023

20.57

 

81,679

 

7.000

 

75,845

 

6.50

International Bank of Commerce, Zapata

 

102,200

37.50

 

19,077

 

7.000

 

17,714

 

6.50

Commerce Bank

 

66,932

32.74

 

14,310

 

7.000

 

13,287

 

6.50

Total Capital (to Risk Weighted Assets):

Consolidated

$

3,136,215

24.31

%  

$

1,354,805

 

10.500

%  

N/A

 

N/A

%

International Bank of Commerce, Laredo

 

1,744,057

20.71

 

884,039

 

10.500

$

841,942

 

10.00

International Bank of Commerce, Oklahoma

578,515

27.22

223,142

10.500

212,516

10.00

International Bank of Commerce, Brownsville

 

254,659

21.82

 

122,519

 

10.500

 

116,685

 

10.00

International Bank of Commerce, Zapata

 

105,090

38.56

 

28,616

 

10.500

 

27,253

 

10.00

Commerce Bank

 

69,278

33.89

 

21,464

 

10.500

 

20,442

 

10.00

Tier 1 Capital (to Risk Weighted Assets):

%

Consolidated

$

2,974,881

23.06

%  

$

1,096,747

 

8.500

%  

 

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,638,720

19.46

 

715,651

 

8.500

$

673,554

 

8.00

International Bank of Commerce, Oklahoma

554,879

26.11

180,639

8.500

170,013

8.00

International Bank of Commerce, Brownsville

 

240,023

20.57

 

99,182

 

8.500

 

93,348

 

8.00

International Bank of Commerce, Zapata

 

102,200

37.50

 

23,165

 

8.500

 

21,802

 

8.00

Commerce Bank

 

66,932

32.74

 

17,376

 

8.500

 

16,354

 

8.00

%

Tier 1 Capital (to Average Assets):

Consolidated

$

2,974,881

18.84

%  

$

631,755

 

4.00

%  

$

N/A

 

N/A

International Bank of Commerce, Laredo

 

1,638,720

17.67

 

370,911

 

4.00

 

463,639

 

5.00

International Bank of Commerce, Oklahoma

554,879

13.08

169,680

4.00

212,100

5.00

International Bank of Commerce, Brownsville

 

240,023

14.47

 

66,341

 

4.00

 

82,926

 

5.00

International Bank of Commerce, Zapata

 

102,200

13.53

 

30,219

 

4.00

 

37,774

 

5.00

Commerce Bank

 

66,932

13.44

 

19,917

 

4.00

 

24,896

 

5.00