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About IBC Bank

Doing More Since 1966

IBC Bank was founded in 1966 in Laredo, Texas. Today, it serves as the flagship bank of International Bancshares Corporation (IBC) and it is one of Texas' largest independent commercial bank holding companies. IBC Bank has made banking convenient for our customers by offering late and weekend hours at many locations. IBC Bank also provides several retail branches inside shopping malls and supermarkets such as Walmart.  IBC provides banking services for commercial, consumer, and international customers of north, south, central and southeast Texas and the State of Oklahoma.

IBC is a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main banking and branch facilities located in north, south, central, and southeast Texas and the State of Oklahoma. It is organized and operated as a bank holding company within the meaning of the Bank Holding Company Act of 1956 (BHCA). As a bank holding company, IBC may own one or more banks and may engage in activities closely related to banking. In this regard, IBC is subject to supervision and regulation by the Board of Governors of the Federal Reserve System (FRB). In addition, all five of our wholly-owned banking subsidiaries are members of and subject to regulation by the Federal Deposit Insurance Corporation (FDIC).  
Principal assets on December 31, 2023, consisted of all the outstanding capital stock of four Texas state banking associations and one Oklahoma state banking corporation as follows:

  • International Bank of Commerce, located in Laredo, Texas (IBC); 
  • Commerce Bank, located in Laredo, Texas (Commerce Bank); 
  • International Bank of Commerce, located in Brownsville, Texas (IBC Brownsville);
  • International Bank of Commerce, located in Zapata, Texas (IBC Zapata); and 
  • International Bank of Commerce, located in Oklahoma City, Oklahoma (IBC-Oklahoma).

These five subsidiary banks are collectively referred to as "Subsidiary Banks."


CORPORATE MISSION
Growth through superior customer service, delivered with a "We Do More" attitude, resulting in complete customer satisfaction by creating the IBC Experience.

OUR BUSINESS PHILOSOPHY

About IBC Bank

IBC's accomplishments are the result of an aggressive and innovative attitude. The bank's "We Do More", philosophy reflects its dedication to the growth and success of its customers and communities. It means IBC goes above and beyond to meet its customers' needs.

 

IBC's Subsidiary Banks maintain a strong commitment to their local communities by, among other things, appointing selected community members to local advisory boards. These local advisory boards help to direct the operations of the branches of each Subsidiary Bank under the supervision of the Subsidiary Bank's board of directors, assist in developing or modifying products and services to meet local customer needs, and introduce prospective customers to its many products and services. 

 

PERFORMANCE

 

IBC's accomplishments are the result of an aggressive and innovative attitude. The bank's "We Do More", philosophy reflects its dedication to the growth and success of its customers and communities. It means IBC goes above and beyond to meet its customers' needs.

IBC's Subsidiary Banks maintain a strong commitment to their local communities by, among other things, appointing selected community members to local advisory boards. These local advisory boards help to direct the operations of the branches of each Subsidiary Bank under the supervision of the Subsidiary Bank's board of directors, assist in developing or modifying products and services to meet local customer needs, and introduce prospective customers to its many products and services. 

 

COMMITMENT TO THE COMMUNITY

 

IBC's commitment to "Do More" for the communities it serves permeates the Company from the top down. Because its more than 2,000 employees in Texas and Oklahoma are personally vested in the communities in which they live; community involvement decisions are made on a local level. IBC employees are encouraged to actively participate in civic and charitable organizations supporting the arts, education, neighborhood revitalization, economic development, medical research, and other philanthropic endeavors. In 2023, IBC and its Subsidiary Banks contributed over $3,000,000 to worthwhile organizations throughout the communities it serves.
 

MORE FOR OUR CUSTOMERS

 

IBC's Subsidiary Bank employees go beyond what is expected from traditional bankers. IBC believes in working with the customer at a time and place where it is most convenient for them. IBC's motto, We Do More, is seen clearly through the highly personalized attention it offers. Through close and personal relationships, IBC customers are known by their names and not by their account numbers. Superior products and services are tailored to the specific needs of each personal and business customer.
 

At a Glance

Description

International Bancshares Corporation is a financial services company headquartered In Laredo, Texas, on the border between the U.S. and Mexico.
 
Founded: September, 1966
Headquarters: Laredo, Texas
Website: https://www.ibc.com/
Chief Executive: Dennis E. Nixon, Chairman and CEO
Motto: We Do More
Facilities: We have 166 bank branches and 256 ATMs in about 75 Texas and Oklahoma cities, including Houston, San Antonio, Corpus Christi, McAllen, Oklahoma City, Tulsa, Lawton, Austin, Brownsville, Zapata, and Dallas.
Workforce: 2,200+ diverse employees, including at officer level.
Stock: International Bancshares Corporation is traded on the Nasdaq Stock Exchange (NASDAQ: IBOC)

Products and Services

  • 7-Day Banking at many locations
  • Extended Banking Hours
  • IBC Bank Online with Bill Pay
  • IBC Mobile Banking
  • Personal and Business Checking Accounts
  • Savings Accounts
  • Instant Issue VISA Debit Card
  • Certificates of Deposit (CDs)
  • Mortgage Loans, Home Equity Loans and Home Equity Lines of Credit 
  • Personal and Commercial Loans
  • ATM Services
  • IBC Voice - an automated telephone system
  • Trusts and Estate Planning
  • Letters of Credit
  • Foreign Exchange
  • Wire Transfers
  • International Trade Services
  • Business Line of Credit
  • IBC Payroll Card
  • E-Statements
  • Investments**
  • Insurance Policies***

 

**Not FDIC insured. May lose value. No bank guarantee.
***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary

 

 
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