XML 104 R88.htm IDEA: XBRL DOCUMENT v3.25.4
Capital Requirements - Capital Amounts and Ratios (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Parent Company    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 3,215,422 $ 2,893,228
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2336% 0.2242%
Total Capital (to Risk Weighted Assets), Actual Amount $ 3,452,837 $ 3,136,215
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2509 0.2431
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 3,289,921 $ 2,974,881
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2391 0.2306
Tier 1 Capital (to Average Assets), Actual Amount $ 3,289,921 $ 2,974,881
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1986 0.1884
Parent Company | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 963,331 $ 903,203
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 1,444,997 $ 1,354,805
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 1,169,760 $ 1,096,747
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 662,702 $ 631,755
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
International Bank of Commerce Laredo    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 1,823,239 $ 1,638,720
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2087% 0.1946%
Total Capital (to Risk Weighted Assets), Actual Amount $ 1,932,526 $ 1,744,057
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2212 0.2071
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 1,823,239 $ 1,638,720
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2087 0.1946
Tier 1 Capital (to Average Assets), Actual Amount $ 1,823,239 $ 1,638,720
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1858 0.1767
International Bank of Commerce Laredo | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 611,605 $ 589,359
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 567,919 $ 547,262
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.065% 0.065%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 917,407 $ 884,039
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 873,721 $ 841,942
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.10 0.10
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 742,663 $ 715,651
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 698,977 $ 673,554
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.08 0.08
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 392,594 $ 370,911
Tier 1 Capital (to Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 490,743 $ 463,639
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
Tier 1 Capital (to Average Assets), To Be well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.05 0.05
International Bank of Commerce Brownsville    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 633,425 $ 240,023
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2878% 0.2057%
Total Capital (to Risk Weighted Assets), Actual Amount $ 660,969 $ 254,659
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3003 0.2182
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 633,425 $ 240,023
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2878 0.2057
Tier 1 Capital (to Average Assets), Actual Amount $ 633,425 $ 240,023
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1417 0.1447
International Bank of Commerce Brownsville | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 154,089 $ 81,679
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 143,083 $ 75,845
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.065% 0.065%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 231,134 $ 122,519
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 220,127 $ 116,685
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.10 0.10
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 187,108 $ 99,182
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 176,102 $ 93,348
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.08 0.08
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 178,829 $ 66,341
Tier 1 Capital (to Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 223,536 $ 82,926
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
Tier 1 Capital (to Average Assets), To Be well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.05 0.05
International Bank Of Commerce Oklahoma    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 243,414 $ 554,879
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2069% 0.2611%
Total Capital (to Risk Weighted Assets), Actual Amount $ 254,835 $ 578,515
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2166 0.2722
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 243,414 $ 554,879
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.2069 0.2611
Tier 1 Capital (to Average Assets), Actual Amount $ 243,414 $ 554,879
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1468 0.1308
International Bank Of Commerce Oklahoma | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 82,360 $ 148,761
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 76,477 $ 138,136
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.065% 0.065%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 123,539 $ 223,142
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 117,657 $ 212,516
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.10 0.10
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 100,008 $ 180,639
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 94,125 $ 170,013
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.08 0.08
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 66,316 $ 169,680
Tier 1 Capital (to Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 82,896 $ 212,100
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
Tier 1 Capital (to Average Assets), To Be well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.05 0.05
Commerce Bank    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 86,658 $ 66,932
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3163% 0.3274%
Total Capital (to Risk Weighted Assets), Actual Amount $ 89,515  
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3267 0.3389
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 86,658 $ 69,278
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3163 0.3274
Tier 1 Capital (to Average Assets), Actual Amount $ 86,658 $ 66,932
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1154 0.1344
Commerce Bank | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 19,180 $ 14,310
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 17,810 $ 13,287
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.065% 0.065%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 28,769 $ 21,464
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 27,399 $ 20,442
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.10 0.10
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 23,289 $ 17,376
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 21,920 $ 16,354
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.08 0.08
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 30,039 $ 19,917
Tier 1 Capital (to Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 37,549 $ 24,896
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
Tier 1 Capital (to Average Assets), To Be well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.05 0.05
International Bank of Commerce Zapata    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 70,163 $ 102,200
Common Equity Tier 1 Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3263% 0.375%
Total Capital (to Risk Weighted Assets), Actual Amount $ 72,573 $ 105,090
Total Capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3375 0.3856
Tier 1 Capital (to Risk Weighted Assets), Actual Amount $ 70,163 $ 102,200
Tier 1 capital (to Risk Weighted Assets), Actual Ratio (as a percent) 0.3263 0.375
Tier 1 Capital (to Average Assets), Actual Amount $ 70,163 $ 102,200
Tier 1 capital (to Average Assets), Actual Ratio (as a percent) 0.1343 0.1353
International Bank of Commerce Zapata | Minimum    
Capital Requirements    
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 15,051 $ 19,077
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 13,976 $ 17,714
Common Equity Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.07% 0.07%
Common Equity Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.065% 0.065%
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 22,577 $ 28,616
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 21,502 $ 27,253
Total Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.105 0.105
Total Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.10 0.10
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Amount $ 18,277 $ 23,165
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 17,202 $ 21,802
Tier 1 Capital (to Risk Weighted Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.085 0.085
Tier 1 Capital (to Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.08 0.08
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Amount $ 20,898 $ 30,219
Tier 1 Capital (to Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount $ 26,123 $ 37,774
Tier 1 Capital (to Average Assets), For Capital Adequacy Purposes Ratio (as a percent) 0.04 0.04
Tier 1 Capital (to Average Assets), To Be well Capitalized Under Prompt Corrective Action Provisions Ratio (as a percent) 0.05 0.05