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:
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