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COMMERCE BANK

LAREDO, TX · Supervised by FDIC

Est. 1982FDIC #23,772RSSD: FDIC-23772

Part ofTD Bank, N.A.→ View all charters

Satisfactory Same

Current rating · Exam: January 2025

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Contact & Details

FDIC BankFind

Website

www.ibc.com

Address

5800 San Dario Ave, LAREDO, TX

County

Webb County

Established

March 31, 1982

Total Assets

$739M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$739M

Total Deposits

$657M

Net Loans

$171M

Net Income

$3M

ROA

1.75%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.94%

Risk-Based Capital

31.95%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.75%Peer avg: 0.44%▲ Above avg

Risk-Based Capital31.95%Peer avg: 23.03%▲ Above avg

Complaints / $B1009.00Peer avg: 411.37▲ More than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

163

Since 2018

745

all complaints on record

Monetary Relief

6.6%

% of complaints where company provided monetary relief

Untimely Response

1.1%

% exceeding CFPB's 15-day response window

Complaints by Product Type

Checking or savings account

42%

295

Credit card or prepaid card

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2025	Satisfactory	Intermediate Small Bank
Oct 2021	Satisfactory	Intermediate Small Bank
Jun 2018	Satisfactory	Intermediate Small Bank

9 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$665M

1-Year Change

5-year net change: -1 branches

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Month	Complaints	With Monetary Relief
August 2025	18	0
September 2025	15	0
October 2025	4	0
November 2025	12	0
December 2025	19	0
January 2026	22	0
February 2026	19	0
March 2026	14	0
April 2026	9	0
May 2026	11	0
June 2026	10	0