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Our Team
Dennis E. Nixon
President
CEO of International Bank of Commerce, Laredo, Texas,
Chairman, International Bancshares Corporation
Dennis E. Nixon
President
CEO of International Bank of Commerce, Laredo, Texas,
Chairman, International Bancshares Corporation

As the principal architect behind the unprecedented growth of International Bancshares Corporation and International Bank of Commerce, Dennis E. Nixon is widely recognized as one of the nation's leading banking authorities and executives. Since joining IBC in 1975, Nixon has been instrumental in International Bancshares Corporation's ranking as the largest minority-founded bank organization in the United States, one of the largest independent banks in Texas and Oklahoma. Nixon's knowledge in all areas of banking was pivotal in the development of IBC's extensive acquisition and expansion efforts. The IBC family of banks has assets of $11.9 billion with 189 full-service branches and 287 ATMs throughout the 89 communities in Texas and Oklahoma that IBC serves.

 

IBC's strategic development designed by Nixon and his leadership team is best summed up in the company's credo, "We Do More." The bank's outstanding growth and consistent performance with Nixon at the helm is what sets it apart from other institutions.

 

Internationally, Nixon was instrumental in the passage of the North American Free Trade Agreement. In May of 2008, IBC was recognized with the United States-Mexico Chamber of Commerce's Good Neighbor Award for the bank's contribution to the passage of NAFTA on its 15th anniversary. That "Good Neighbor" tribute describes Dennis Nixon's career-long economic development efforts along the Texas/ Mexico border and highlights his work toward goodwill, close ties and binational prosperity between the U.S. and Mexico.

 

His track record of helping small businesses grow and expand, spans more than four decades. His "We Do More" attitude has driven him to bring border residents and communities together because he knows that communities can't move forward unless they move together. That's why he helped create and start advocacy organizations like the Association of South Texas Communities, Texas Border Coalition, Border Trade Alliance and the Alliance for Security and Trade to name a few. During his tenure on the board of the U.S. Chamber of Commerce, he was the only director from the southern border of the United States, providing a unique and special perspective to the Chamber's legislative agenda and advocacy efforts. Nixon is currently a member of the U.S.-Mexico CEO Dialogue, an elite group of U.S. and Mexican chief executives whose members address core issues in the bilateral relationship between the two countries. The Dialogue is an initiative of the U.S. Chamber of Commerce, of which Nixon is a former member of the board of directors.

 

As the largest inland port in the United States, Laredo plays a vital role in the international trade arena, and Nixon has been at the helm of those issues his entire career. From his role in the passage of NAFTA, to his steadfast support of U.S. Customs and Border Protection efforts, to his promotion of smarter, more efficient borders, Nixon is the tireless advocate that mayors, business leaders and trade officials look to for guidance, direction and leadership. Nixon has written and spoken on the importance of immigration reform and is considered by many as a leading expert on immigration issues.

 

His myriad of civic involvements, awards and recognitions include the Junior Achievement Business Hall of Fame Award, the Paul Harris Fellow Award given by Rotary International for outstanding community service, and the Eleanor Roosevelt Humanities Award given by the State of Israel for outstanding services to humanity. In 2006, Dennis Nixon was inducted into the prestigious Texas Business Hall of Fame. In 2007, he was elected to serve on the board of directors of the United States Chamber of Commerce, and in 2008 he received the International Citizen Award from the World Affairs Council of San Antonio. He was selected to be the recipient of the Mr. South Texas 2010 honor by the Washington's Birthday Celebration Association. In 2016, Nixon and his wife received the Distinguished Community Service Award from the Chabad Center for Jewish Life and Learning at their annual L'Chaim Event in San Antonio, Texas. In 2018, Nixon received the Distinguished Business Leader Award by the Texas Association of Business.

 

Dennis Nixon is a member of the Texas Business Leadership Council, a statewide network of CEOs and senior business executives who advance a long-term vision of a prosperous Texas in a globally competitive business environment. Nixon currently serves as a senior member on the Board of Visitors of M.D. Anderson Cancer Center in Houston, Texas.

 

Nixon is a graduate of the University of Texas. He is married to Elma "Bavi" H. Nixon, and has three children: Denise Nixon Bunk, Jonathan A. Nixon and Kristina E. Nixon Netzer; and five grandchildren, Samantha Rose Bunk, Charles Davis Bunk, Jonathan Dennis Nixon, Sebastian Rolf Nixon and Olivia Katherine Netzer.

Imelda Navarro
President of Retail Banking
International Bank of Commerce - Laredo, Texas
Imelda Navarro
President of Retail Banking
International Bank of Commerce - Laredo, Texas

While "doing more" is the credo and guiding principle of International Bank of Commerce (IBC), it is also the personal foundation of IBC -Imelda Navarro as the President of Retail Banking oversees the sales and operations of the Company's 180 branches in Texas and Oklahoma.

 

Navarro's success is the result of extraordinary dedication to the organization, as she has committed her entire forty year career to service within the IBC family. Navarro's leadership experience grew from unheralded yet inspirational origins. She was only 16 when she began working at IBC as a file clerk in conjunction with a vocational program offered through Laredo's J.W. Nixon High School. After completing the program, she continued working for IBC on a part-time basis while earning her Bachelor of Business Administration, majoring in Accounting at Laredo State University.

 

Over the next two decades, with a solid work ethic and commitment to advancement, Navarro earned respect in the male dominated banking business and firmly established herself as an "up and comer" in the financial industry. After graduating from college, Navarro continued to gain knowledge of IBC's accounting and operations divisions and learned all the facets of personal and commercial banking. When IBC began to grow dramatically during the 1980's and 1990's, she saw her responsibilities evolve to include financial accounting, human resources and bank operations.

 

In 2017, Navarro, a 43-year veteran of IBC Bank-Laredo, was promoted as the first woman president in the bank's history. In addition to her duties as president, Navarro continues serving as Chief Financial Officer and Chief Operating Officer for IBC Bank, directing the administrative functions of the bank.

 

Navarro has served extensively her community, the state of Texas and International non-profit and professional organizations. She currently serves as a member of the Mercy Ministries Development Council. She has been a past member of Laredo's Third Party Funding Committee. She has also been on the board of the Laredo Center for the Arts and has served as its chairperson. She has served as President of TAMIU Alumni, Laredo Business Professional Women's Association, Financial Women International, and the Domestic Violence Coalition. Additionally, Navarro is a former director of the Laredo Chamber of Commerce and has served on the Board of the Laredo Commission for Women and on the Advisory Board for Mercy Regional Medical Center.

 

In April 2005, Hispanic Business Magazine named Imelda Navarro as one of its outstanding women leaders and later that same year, it recognized her as one of the 100 most influential Hispanic women in the country. In 2009, she was named one of the Top 25 Hispanic women in the United States. Since then she has received several recognitions: Junior Achievement of Laredo, Mustang Legend from J.W. Nixon High School, Tejano Achiever by the LULAC Council and in 2015 Dama De Oro by Las Damas de la Cultura de Oro.

 

Governor Greg Abbott recently appointed Imelda Navarro to the Governor's Commission for Women. The commission serves as a liaison between Texas women and government agencies, along with private organizations addressing women's needs. Navarro will serve through the end of 2020.

Edward Farias
Executive Vice President Commercial Lending
IBC Bank Laredo, Texas
Edward Farias
Executive Vice President Commercial Lending
IBC Bank Laredo, Texas

For over forty years, IBC Laredo's Executive Vice President, Edward Farias, has offered commercial customers his approach to "doing more"; providing straight answers on loan inquiries and informed insight on the local economy. With experience earned through working with his customers during good and tough economic times, he has always maintained the goal of delivering to the bank's customers the best service, products and advice possible. He believes the backbone of any community is the business sector and a lender's obligation is to support the businesses to grow, prosper and provide jobs.

A Laredo native, Farias was educated in local schools and graduated from Texas A & I at Laredo, the precursor to today's TAMIU. He also has attended and graduated from several banking schools, including the Southwest Graduate School of Banking. He served on the Board of Doctor's Hospital of Laredo for a three year term, as a Board Member for STARS Scholarship Fund from 2005 to 2015, and currently serves as a member of the finance committee of a local organization.

Guillermo Garcia
Executive Vice President,
International Bank of Commerce - Laredo, Texas
Guillermo Garcia
Executive Vice President,
International Bank of Commerce - Laredo, Texas
Expanding trade with Mexico has been a priority to IBC BankExecutive Vice President, Guillermo R. Garcia for over three decades. Serving as IBC's director for international business development, Garcia continues to do what he's done best for years: connect the financial needs of clients on both sides of the border. He understands Mexican trade and is able to assist with the financial wishes of clients in the U.S. and global marketplaces.
 
Traveling extensively throughout Mexico, Garcia has developed a large portfolio of international clients, although he continues to manage longtime domestic client relationships. Garcia is a welcome and trusted resource for Mexican entrepreneurs and industries. His expertise in putting dreams and plans in touch with opportunities and creating succesful ventures has been his trademark since joining IBC Bank in 1968. Since then, he has served IBC Bank in different capacities, including Assistant Vice President, Vice President/Consumer Loan Officer, Department Head and Senior Vice President. Garcia is responsible for International Customer Relations, a program which sets IBC Bank apart from other financial institutions. He has learned the goals and the prospects of personal and commercial banking on both sides of the border. Garcia shares his exceptional customer service skills with his staff of trained professionals.
 
When not "on the road" providing customers and prospects with the "IBC Experience," Garcia shares management responsibilities on the bank's Executive Loan and Senior Management committees.
 
Among his many business and banking studies, Garcia is a graduate of the Commercial Lending School at the University of Oklahoma. Demonstrating his interest and ability at developing more than International Trade, Garcia is a past director of the Border Olympics Association and the International Good Neighbor Council. He is currently chairperson of the Membership Committee of the Laredo Country Club.
Rosalinda Ramirez
Executive Vice President
International Bank of Commerce - Laredo, Texas
Rosalinda Ramirez
Executive Vice President
International Bank of Commerce - Laredo, Texas

Since joining IBC Bank in 1989, Rosie Ramirez's role and her department have increased dramatically. In her 30 years in Human Resources she's seen the bank go from 500 employees, including one payroll clerk, to more than 3,000 employees and an entire department dedicated to human resources, including payroll, benefit administration, employment relations, Human Resource Compliance and training.

 

Now an Executive Vice President, Ramirez manages all human resources and training throughout the bank's two-state footprint. The biggest change she has seen during her career in Human Resources is its progression from "afterthought" to "strategic imperative."

 

Ramirez lives the bank's "We Do More" philosophy by serving on the board of the United Way of Laredo. She is also a past president of Financial Women International and a member of the Laredo Business and Professional Women's Association and Leadership Texas.

 

The Laredo native earned her Bachelor of Arts degree in Psychology at the University of Texas. She has two children, Nicholas Ramirez and Amanda Leigh Ramirez.

Dalia F. Martinez
Executive Vice President - Operations
International Bank of Commerce - Laredo, Texas
Dalia F. Martinez
Executive Vice President - Operations
International Bank of Commerce - Laredo, Texas
A long-standing member of IBC Bank's senior management team, Executive Vice President Dalia F. Martinez provides customers with 35 years of banking expertise in both personal and commercial finance with 35 years experience in the industry. With more than 20 years dedicated to border banking, Martinez understands the business needs and expectations of the region and dedicates both her professional and personal time to assist those needs and those of the underserved communities in which the bank operates.
 
Martinez began her career with IBC Bank in January 1990, and since then has been actively involved with all mergers and acquisitions for the bank. She began her career at IBC Bank as Assistant Vice President of Training, in which she served as the bank's first official trainer. Currently, Martinez serves as the bank's Executive Vice President of Operations, Chief Executive Compliance Officer and Corporate Bank Secrecy Act Officer. Additionally, she proudly serves on various internal bank boards including leadership roles with the mortgage board of directors, Service Center board of directors, and both the Laredo executive committee and IT executive committee.
 
A fearless leader, Martinez's responsibilities span across three executive roles to keep the bank secured, profitable and innovative. As Executive Vice President of Operations, she manages and controls all aspects of bank operations by ensuring the effective, efficient, and economical utilization of resources as well as planning for the future of the bank. Also, as the bank's Chief Compliance Executive, Martinez tests, reviews and evaluates the bank's conduct, transactions, or potential transactions, for the purpose of monitoring and improving compliance with regulatory requirements, financial reporting to a government agency, the policies of the bank and it's affiliates, and safe and fair lending practices. Additionally, as the Corporate Bank Secrecy Officer, she provides a system of internal controls to make sure the banks meet the requirements of the Bank Secrecy Act and its amendments.
 
Just as the bank stands firmly by their motto "We Do More," so does Martinez full heartedly serve her community by actively participating on various boards of both local and regional non-profit organizations. Currently, Martinez serves as an advisory board member for the Webb County Children'sAdvocacy Center, and was recently nominated to the Laredo Medical Center board of directors. She serves on two committees of the United States Tennis Association (USTA) of Texas, as well as on a national USTA committee. Further, Martinez is developing a team to support the American Heart Association's 'Go Red for Women' campaign, the first heart disease awareness program of its kind in South Texas.
 
Martinez's commitment to community service in Laredo and across South Texas is nothing new. In fact, she was recently elected to the Laredo Women's Hall of Fame to honor more than 20 years of service to the Laredo community. In previous years she has proudly served as the president of United Way Laredo, president of the Salvation Army Laredo and president of the Webb County Children's Advocacy Center.
 
Martinez's passion to lead is undeniable, and her commitment to do more for IBC Bank and its underserved communities will undoubtedly continue to advance both her professional and philanthropic goals to serve the citizens of Laredo and the greater South Texas region.
Gerardo (Gerald) Schwebel
Executive Vice President, Corporate International Division
IBC Bank-Laredo, Texas
Gerardo (Gerald) Schwebel
Executive Vice President, Corporate International Division
IBC Bank-Laredo, Texas

As a key resource to IBC Bank's international customers, Mr. Schwebel offers special expertise in international trade and finance, industrial/economic development and transportation.

 

Widely regarded as a leading expert on international trade and finance, Mr. Schwebel frequently represents IBC Bank and its customers with top government and business leaders in the United States, Mexico, and Canada. His knowledge and unique overview have led him to present expert testimony before Congress on issues regarding U.S.-Mexico trade including the North America Free Trade Agreement (NAFTA), transportation and logistics, international finance, and U.S. immigration reform. Mr. Schwebel's perspectives on various topics related to international trade, economics, and banking have been featured in some of the major business publications in the U.S. and Mexico.

 

Mr. Schwebel began to work at IBC Bank after distinguished service in the United States Army where he served as an Artillery Officer in Germany and the Republic of Korea. Additionally, he has held administrative positions in various fields including higher education, food services, media, and the securities industry. Mr. Schwebel became the Corporate International Division Head of the Bank in 1996 overseeing all of IBC Bank's international banking services. In addition, he directs the bank's investments/wealth management program known as IBC Investments Services and serves as a Board Member for IBC Insurance Agency.

 

A regular speaker-in both English and Spanish- Mr. Schwebel is a valuable resource to the bank and its customers on NAFTA and Mexico. His many affiliations and leadership positions include the 1993 National Chairman of the Border Trade Alliance (BTA); Bi-National Director of the U.S.-Mexico Chamber of Commerce; Member of the Transportation, Logistics and Infrastructure Committee of the U.S. Chamber of Commerce; and Member of the Texas Secretary of State's Border Trade Advisory Council and Ex-Officio Member of the Texas Freight Mobility Committee. Currently, he serves on the Executive Committee and Board of Directors of the I-69 Alliance of Texas as well as the Ports Advisory Committee of Texas Lt. Governor Dan Patrick. He is also the Immediate Past President of North America's Strategy for Competitiveness (NASCO), which is a tri-national trade coalition (U.S., Canada, and Mexico) that advocates for competitiveness through logistics, transportation infrastructure, security, energy and a skilled workforce.

 

In addition to these achievements, he also serves as Chairman of the Regional Advisory Council of the University of Texas Health Science Center-Laredo Campus; Chairman of the "Laredo of Tomorrow" Coalition; Member of Board of Advisors of the Texas A&M International University A.R. Sanchez School of Business; and Member of the Webb County Area Health Education Council. Other past leadership positions include Past-President of the Laredo Development Foundation, the Laredo Country Club, and the Laredo Philharmonic Orchestra.

 

Furthermore, he has served as Board of Director for local and state non-profit organizations such as United Way of Laredo, Laredo Chamber of Commerce, International Good Neighbor Council, Doctors Hospital of Laredo, American Red Cross and many others. His extensive service and leadership in these areas of interest have earned him numerous awards and recognitions in both the U.S. and Mexico. Most notably, he has been recognized for his service to the communities of Laredo, Texas and Nuevo Laredo, Tamaulipas as a Paul Harris Fellow by the Rotary International Foundation and the Gateway Rotary Club of Laredo in 2015 and the Club Rotario de Nuevo Laredo in 2009.

 

Most recently, Mr. Schwebel became involved with the U.S. Chamber of Commerce as a member of the U.S.-Mexico Economic Council (USMXECO). This new organization serves as a platform for both the U. S. and Mexico private sectors to work together in the creation of innovative solutions for shared policy challenges, which leads to boosting growth and creating jobs across North America. It stems from the existing U.S.-Mexico CEO Dialogue, which was established in 2013 by the U.S. Chamber of Commerce and the Consejo Coordinador Empresarial (CCE) of Mexico as a bilateral private sector forum that fosters conversations on key economic and trade issues impacting the relationship of both countries.

 

In 2013, Mr. Schwebel was the recipient of the "Advancing International Trade Award" by the National Association of Small Business International Trade Educators (NASBITE) due to his efforts in promoting international trade. In addition, Mr. Schwebel was bestowed the "Impact Award" by the Laredo Community College Economic Development Center in 2015 for his contribution to enhance the economic and social development of Laredo.

 

Mr. Schwebel earned his undergraduate degree at Texas A&I University of Laredo (now Texas A&M International University) where he has been recognized as a "Portrait of Latino Achievement" by the Smithsonian Institute. He has done graduate work in the fields of International Trade and Banking at Texas A&M International University, the University of Texas, Texas A&M University, and the Stonier Graduate School of Banking at the University of Delaware.

 

Mr. Schwebel and his wife, Olinda, enjoy traveling and spending time with their grandchildren in Texas.

 

Nativido Lozano
Executive Vice President, International Department
International Bank of Commerce - Laredo, Texas
Nativido Lozano
Executive Vice President, International Department
International Bank of Commerce - Laredo, Texas

As Commercial and International Loan Officer at IBC- Laredo, Nativido Lozano III has been a fundamental part to the progress of the bank for over 20 years. His constant dedication to improve performance of the institution has resulted in growth of his loan portfolio and deposits. Despite his many responsibilities, Lozano constantly brings new ideas and suggestions that help increase the productivity and profitability of the bank. Therefore, he is part of the bank's Sales Council at corporate level. Attracting and developing new human talent for the company is one of the latest areas of focus.


Nativido Lozano began at IBC as a Commercial Credit Analyst in 1995, and has a Bachelor of Business Administration in Accounting and graduated with honors Summa Cum Laude from the University of Houston. In 2003 he graduated from the South Western Graduate School of Banking program at Southern Methodist University in Dallas.

 

As a person committed to his community, Lozano has participated in the Chamber of Commerce as Chairman of the Board. He also participated on the board of the National Bankers Association, Logistics & Manufacturing Association, Asociación de Empresarios Mexicanos and was the president and Chairman of the Board of the Laredo Development Foundation. He is currently a member of the Board of Directors of Laredo Motor Carriers Association. Through his experience at the bank and the various business organizations, he has acquired valuable knowledge in real estate investments, international trade, industrial and economic development, transportation and distribution.
 

Eliza Gonzalez
Executive Vice President Corporate Divisions
International Bank of Commerce - Laredo, Texas
Eliza Gonzalez
Executive Vice President Corporate Divisions
International Bank of Commerce - Laredo, Texas

Eliza V. Gonzalez brings nearly four decades of banking experience to her role as Investment Relations Officer at IBC Bank. In addition to investment relations, Gonzalez is head of various corporate divisions including wire transfer, accounts payable, trust and employee benefits. 

 

Since starting her IBC career in 1980 as a secretary in the accounting department, Gonzalez has served in a number of positions in various departments, giving her a deep and far-reaching understanding of banking from both legal and customer perspectives.

 

Gonzalez is a past president of the Boys and Girls Clubs of Laredo and currently serves on the board as a lifetime director. She has also served as past president of both the Laredo and Texas chapters of Financial Women International and the Laredo Business and Professional Women's Association. She has been on the boards of both the Girl Scouts South Texas Council and the Webb County Chapter of the American Red Cross. She is also an alumni of the 1996 Leadership Texas class.

 

Gonzalez and her husband, Javier, have been married since 1984. They have two children and three grandchildren.

Robert B. Barnes
President & CEO
International Bank of Commerce - Austin, Texas
Robert B. Barnes
President & CEO
International Bank of Commerce - Austin, Texas
Robert "Bob" Barnes is an established leader in the Texas banking industry with more than 30 years of experience. As president and CEO of IBC-Austin, Barnes oversees and directs the bank's activities throughout the entire Austin region. He also serves as president of IBC Mortgage and IBC First Equity, IBC's mortgage divisions, which specialize in first and second lien mortgages, and home equity lending. In the summer of 2004, Barnes led IBC's official entry into the Austin market, which was marked by the opening of the bank's regional headquarters in downtown Austin. (In 2001, IBC Bank acquired Austin-based First Equity and made its initial footprint in the Austin market.) As part of his leadership role, Barnes is spearheading IBC's expansion in the greater Austin area organically through new branch construction and community reinvestment. International Bancshares Corporation, the parent of IBC Bank, is one of the largest banks headquartered in Texas. Currently, IBC Bank operates 191 full service branches and 288 ATMs serving 90 communities in Texas and Oklahoma. As a holding company, IBC has more than $11.8 billion in assets. As IBC continues to expand northward along the strategic I-35 NAFTA trade corridor, Austin and Central Texas will continue to serve as key growth markets. Prior to accepting this leadership position, Barnes worked for IBC-Houston for three years as a senior vice president and commercial lender. During this time, Barnes honed his expertise in the areas of interim construction lending, mortgage banking and private banking. An active member of the Austin community committed to IBC's "We Do More" philosophy, Barnes volunteers his time with various organizations. He has served as president of the Bob Bullock Museum, chaired the Leukemia/Lymphoma Society's Light the Night Walk and received the American Youth Works "Cliffie Award" for his dedication and service to the Austin Community. He currently serves on the Bob Bullock Texas State History Museum Foundation Board, the Urban Land Institute Board, and the Downtown Austin Alliance Board. He serves on the Opportunity Austin Economic Development Committee, supports the Long Center Corporate Council as well as Amigos de las Americas, American Youthworks, Make-A-Wish Foundation and the Muscular Dystrophy Association. He is an active participant in the Greater Austin Hispanic Chamber of Commerce fully supporting their mission through events, sponsorships and encouraging employee participation. Barnes is a U.S. Army Veteran who proudly served his country in Vietnam as a Commissioned Officer and Platoon Leader. He earned a Bachelor's Degree in Political Science from Randolph-Macon College in Ashland, Virginia and a Master's of Business Administration Degree from the University of Arkansas in Fayetteville. He and his wife Laura have been married for 40 years, have three children and one grandchild. He enjoys fishing, cycling and is an avid gardener.
Al Villarreal
President & CEO
International Bank of Commerce - Brownsville, Texas
Al Villarreal
President & CEO
International Bank of Commerce - Brownsville, Texas
With 30 years of experience in the banking industry, Al Villarreal continues to grow his career with IBC Bank by taking the reigns as President and CEO of IBC Bank-Brownsville in September 2016.
 
Villarreal began his career with IBC Bank in 1993 as a commercial bank officer. As President and CEO, Villarreal oversees the entire IBC Bank-Brownsville market in Cameron County, which includes branches located in Harlingen, Port Isabel, South Padre Island and Brownsville. Villarreal also continues his role as the Head of the Sales and Retail Group in Cameron County.
 
Prior to joining IBC, Villarreal worked for several financial institutions, including MBank Dallas and Bank One San Antonio. He was also an adjunct instructor of finance at the University of Texas at Brownsville and Texas Southmost College.
 
In keeping with the IBC philosophy of "We Do More," Villarreal is actively involved in several organizations throughout Brownsville. Currently, he is the Board Chair for Guadalupe Regional Middle School, a member of Saint Mary's School Advisory Council, a board member of West Brownsville Little League, and participates in various committees for the Brownsville Independent School District. Previously, Villarreal served in a leadership capacity as the Board Chair for the United Way of Southern Cameron County, Walk Chair for the March of Dimes, Board Chair of the Brownsville Public Utilities Board, and Vice Chair for the Brownsville Community Improvement Corporation. He also was a board member for the Greater Brownsville Incentives Corporation and the Brownsville Community Foundation.
 
Villarreal received his Bachelors of Business Administration with honors from the University of Texas at Austin and graduated from the Southwest Graduate School of Banking at Southern Methodist University. He and his wife, Nancy, have two children, Hannah and Jason.
Harold Shockley Jr.
President & CEO
International Bank of Commerce - Corpus Christi, Texas
Harold Shockley Jr.
President & CEO
International Bank of Commerce - Corpus Christi, Texas
Through his devotion to philanthropic activities and his dedicated work and well-rounded expertise in the banking business - namely commercial lending - Harold Shockley Jr. has made a positive contribution to the Coastal Bend community.
 
Shockley, a Corpus Christi native and long-time resident, has most recently served as bank president for IBC Bank - Corpus Christi and was named CEO in August 2008. He began his banking career in 1981 serving as a credit analyst in the commercial credit department of Corpus Christi National Bank, and in 1984 embarked on his lending career at The Bank of Corpus Christi. When IBC Bank purchased The Bank of Corpus Christi in 1995, Shockley remained with the bank as the executive vice president. Shockley's knowledge and expertise contribute to the overall growth and success of the market's nine area branches, which include locations in Sinton, Rockport, Portland and Aransas Pass.
 
In keeping with the IBC philosophy of "We Do More," Shockley also dedicates his time and efforts to numerous community organizations in the Coastal Bend. He currently serves as Board Chairman for the Corpus Christi Police Foundation and is also the Chairman of the Downtown Management District. He has served on numerous boards including the March of Dimes, Texas A&M-Corpus Christi Islander Athletic Foundation and is past president and a member of the Sunrise Rotary Club.
 
Shockley received his Bachelor of Business Administration in finance from the University of Texas at Austin and is a graduate of The Banking School of the South at Louisiana State University.
Hector J. Cerna
President & CEO
International Bank of Commerce - Eagle Pass, Texas
Hector J. Cerna
President & CEO
International Bank of Commerce - Eagle Pass, Texas
International Bank of Commerce (IBC Bank), the undisputed leader in border banking, launched its first expansion into a border city northwest of Laredo in 2001. For its entry into Eagle Pass, IBC Bank sought a leader with an understanding of the needs, aspirations and potential of the region's people and businesses. With his proven expertise in banking, finance, real estate development, and business venture management as well as his vast knowledge of the region, Hector J. Cerna was the clear choice for president and CEO of IBC Bank-Eagle Pass. Over the years, IBC's Eagle Pass market has prospered, and the region now includes banking centers throughout Eagle Pass, Del Rio and Uvalde. Cerna has been an executive in the South Texas banking industry for more than 25 years and has directed business development and real estate lending services at several institutions. His professional experience, however, extends beyond banking. He has also helped organize real estate developments, provided underwriting and shared expertise concerning business venture management. The Eagle Pass native is devoted to the community and maintains extensive involvement with local professional and non-profit organizations. Cerna currently serves as Chair of the city of Eagle Pass Economic Development Business and Industry Sub-Commitee and is a member of the Maverick County
 
Development Corporation Board of Directors. In these positions, he assists in attracting industry and commerce to Eagle Pass and the region. He serves as Chairman of the Finance Council for the Catholic Diocese of Laredo and is a board member of The Border Trade Alliance (BTA). Cerna has previously served on the Eagle Pass International Bridge Board, The Eagle Pass Hotel Room Tax Committee, the Our Lady of Refuge School Council, he is a Leadership Eagle Pass charter member and Eagle Pass Rotary Club past president. He previously served on the State of Texas Comptroller "Border Advisory Council Committee" and as a trustee of the Piedras Negras (Mexico) chapter of "Adopte Una Obra de Arte." Cerna has been involved in fundraising for the United Way, YMCA, Mission San Bernardo (Guerrero, Coahuila), Boys Scouts of
 
America and other organizations. Through Cerna's leadership, IBC Bank maintains close ties with various economic development organizations and business leaders in Mexico to better understand and identify international business opportunities.
 
In recognition of IBC's efforts to promote cross-border business and strengthen ties between the U.S. and Mexico, IBC Bank Eagle Pass was named International Business of the Year in February 2012 at the 18th Annual Eagle Pass Business Journal Awards. In 2013, Cerna received the Eagle Pass Chamber of Commerce Citizen of the Year Award and since 2015 he has served on the "Consejo de Desarrollo Economico Municipal" in Piedras Negras, Coahuila. In February 2016, Cerna was appointment by Gov. Greg Abbott to the Texas Finance Commission for a term through the year 2020. Cerna earned a Bachelor of Business Administration degree from the University of Texas at Austin.
Jay Rogers
President & CEO
International Bank of Commerce - Houston, Texas
Jay Rogers
President & CEO
International Bank of Commerce - Houston, Texas
Jay Rogers is an established leader in the Texas banking industry with over 40 years of experience in the area of commercial lending. As Chairman and CEO of IBC-Houston, Rogers oversees and directs the activities of the Houston region, and during his tenure of over 20 years, has seen the financial institution grow from 150 million dollars in assets to over 1 billion. In addition to his leadership in Houston, Rogers serves on the International Bancshares Corporation Investment Committee.
 
In keeping with the IBC philosophy of "We Do More," Rogers maintains active involvement in several community service organizations. Currently, he serves on the Texas Business Hall of Fame Foundation Board of Directors, The Center for Hearing and Speech Advisory Board, Covenant House Advisory Board, and Coastal Conservation Association Board Member.
 
His previous appointments include Chairman of the Board for the American Heart Association-Houston Chapter and the In Town Chamber of Commerce.
 
Rogers received his Undergraduate degree from Baylor University and completed graduate courses at Rutgers University and the University of Houston. He is married and has two children.
Jeff Samples
President - International Bank of Commerce - Houston, Texas
Jeff Samples
President - International Bank of Commerce - Houston, Texas
Jeff Samples comes to International Bancshares Corporation with over 32 years experience in the area of commercial lending. As President, he oversees the commercial banking department, which has over $1 billion in funded loans. While directing this effort, Samples is personally responsible for a loan portfolio of over $600 million. In addition, he manages both retail and commercial lending officers and oversees the credit department. For the past seventeen years he has served on the IBC Bank Houston Board of Directors.
 
Prior to joining IBC, Samples served as division manager of commercial banking at BBVA-Compass Bank. He received his credit training at Interfirst Houston (now Bank of America). His area of expertise is commercial real estate with a focus on retail center and lot development.
 
Jeff maintains active involvement in several community service organizations. Currently, he serves on the Houston Food Bank Finance Committee. He is the coach of multiple baseball, basketball, and soccer teams for youth in the local community. He has previously been a board member of the Be An Angel charity which serves multi-handicapped children and YES College Prep, a charter school for at-risk children. Samples received his BBA-Finance degree from Baylor University where he was a member of Sigma Alpha Epsilon and The Baylor Student Foundation. He is married and has four children.
Adrian Villarreal
President & CEO
International Bank of Commerce - McAllen, Texas
Adrian Villarreal
President & CEO
International Bank of Commerce - McAllen, Texas
The Board of Directors of IBC Bank-McAllen named Adrian Villarreal to lead its Hidalgo County operations as President and CEO in December 2017. Villarreal has 29 years of experience in the banking industry and has been with IBC Bank for 25 years.
 
Villarreal recently served as the manager of the bank's commercial and retail banking departments. As President and CEO, he will oversee the entire Hidalgo County market, which includes 29 branches located in McAllen, Edinburg, Mission, Weslaco, Pharr, San Juan, Alamo, Alton, Palmhurst and Penitas. He also continues his role as the Head of Sales and retains his position on the Bank's Board of Directors.
 
IBC Bank has played an important role in the economic development of South Texas. Villarreal is one of IBC Bank's most seasoned lenders and retail managers with a strong background in business services.
 
Villarreal will certainly continue the bank's legacy of customer service excellence. Villarreal's top priority is to continue to deliver the "We Do More" experience to their customers and offer excellent products and services to new customers.
 
In keeping with the IBC Bank tradition, Villarreal is committed to serving his community. He has served as the Treasurer of United Way of South Texas whose mission is to improve the educational, health and financial stability of those in need. He also served as the United Way's Board and Campaign Chair. Due to his active participation with this organization, he was awarded the prestigious "South Texan Hero Award". Villarreal also served as the Treasurer for the McAllen Chamber of Commerce. He also serves as a catechist for 9th Grade Faith Formation for Our Lady of Perpetual Help Church. He is currently a Board Member of South Texas Health Systems. He was also a past board member of the McAllen Economic Development Council and the McAllen Industrial Corporation.
 
Villarreal received his Bachelors of Business Administration in finance from the University of Texas at Austin. He is married to Lupita Villarreal and has four children, Nicholas, Christopher, Alyssa and Alessandra.
Derek Schmidt
President & CEO
International Bank of Commerce - Port Lavaca
Derek Schmidt
President & CEO
International Bank of Commerce - Port Lavaca
A seasoned banking professional with more than 31 years of financial experience and particular expertise in commercial lending, Derek Schmidt is making a positive difference in the Coastal Bend and Matagorda area through his leadership as president and CEO of IBC Bank-Port Lavaca. In his role, he oversees all lending activity at the branches in Port Lavaca, Victoria, and Bay City and is responsible for the growth and management of the commercial loan and deposit portfolios, including business development, loan negotiations, independent credit analysis, and loan package preparation.
 
Schmidt has a passion for community banking and takes pride in providing superior customer service. He is deeply committed to IBC Bank's "We Do More" philosophy. His father was a head coach for more than 40 years and instilled the idea of teamwork in Derek. He is an approachable, very involved leader who likes to start his day by checking in with employees every morning.
 
Schmidt is a member and past President of the Port Lavaca Rotary Club and a board member and President of Formosa Plastics- Calhoun County ISD Scholarship Foundation. Under his leadership, IBC Bank employees dedicate their time by volunteering at various organizations including Warrior's Weekend, Relay for Life Cancer Support, Calhoun County Food Pantry, Hardhead Derby Fishing Tournament for children, and others. IBC Bank-Port Lavaca has significantly impacted the area by teaching financial literacy classes to adults and children alike. In 2014 alone, employees reached more than 1,035 area students through Money Buzz, the bank's proprietary financial literacy program for children in kindergarten through 8th grade.
 
Schmidt joined IBC Bank in 2012 as executive vice president and was promoted to head the market later that year when longtime CEO Richard Bothe transitioned to the role of chairman of IBC Bank-Port Lavaca's board of directors. IBC Bank-Port Lavaca has been serving the region since 1994 and has three branches in the communities of Bay City, Victoria and Port Lavaca.
 
Schmidt moved to South Texas in grade school and lived in Beeville and Corpus Christi. He graduated from Tuloso-Midway High School in 1980 and graduated from Tarleton State University. He is a 2004 graduate of The Southwestern Graduate School of Banking at SMU, class XLV. He and his wife Kelli have been married for 25 years and have a son that is a graduate of Texas A&M Kingsville and a daughter that is a sophomore at UH Victoria. When out of the office, he enjoys fishing and hunting.
Mike K. Sohn
President and CEO
International Bank of Commerce - San Antonio, Texas
Mike K. Sohn
President and CEO
International Bank of Commerce - San Antonio, Texas
With 33 years of experience in the banking industry, 26 of which have been spent with IBC Bank San Antonio, Mike Sohn is one of IBC's most seasoned employees. Throughout his career, Sohn has amassed a wealth of knowledge in all areas of lending. His tenure and "We Do More" attitude make him uniquely qualified to uphold IBC's legacy of customer service excellence.
 
Mike Sohn was selected as CEO of IBC Bank San Antonio in 2012, where he previously served as executive vice president in charge of commercial lending. Sohn manages the day-to-day operation of the commercial lending department and oversees the retail branch network of 20 locations including branches in the communities of Luling, Marble Falls, San Marcos, and Schertz. His expertise and vision are the foundation of IBC's strong market presence as he specializes in lending to professionals and executives, commercial real estate, construction, manufacturing, and the oil and gas industry.
 
Community outreach is an IBC Bank strength, which Sohn embraces by volunteering his time with organizations throughout the community. He currently serves on the board for the San Antonio Chamber of Commerce, the Briscoe Western Art Museum, and the UTSA School of Business. He previously served as a board member with the San Antonio Sports Foundation and the North San Antonio Chamber of Commerce. He is active in a number of professional organizations including the Texas Society of Professional Engineers, the Independent Petroleum Association of America, the San Antonio Chapter of the American Petroleum Institute, the Society of Petroleum Engineers, the Texas Independent Producers and Royalty Owners Association, and the Coastal Conservation Association.
 
Sohn graduated with a bachelor of science from Texas A&M University in College Station. He also graduated from Southern Methodist University's Intermediate Banking School. He and his wife Donna have two sons.
Ricardo Ramirez
President - International Bank of Commerce - Zapata, Texas
Ricardo Ramirez
President - International Bank of Commerce - Zapata, Texas
IBC Bank-Zapata President, Ricardo Ramirez, began his career with IBC Bank in September 2002 as a lender and quickly distinguished himself by growing his loan portfolio to in excess of $50 million. He was promoted to Corporate Sales Manager for Zapata in 2004 and was subsequently promoted to executive vice president in 2009. He assumed the role of president and member of the board in December 2010. Ramirez was literally born into the banking industry. He is the son of Renato Ramirez, who founded IBC Bank-Zapata in 1984. The bank has 11 branches in its service area, which includes Zapata, Rio Grande City, Roma, Hebbronville, Freer, Alice, Kingsville, and Beeville. Ramirez is involved in numerous community organizations dedicated to education, assistance in the protection of civil rights and opportunities for economic development. He is board member of the Zapata County Boys and Girls Club served as president for 10 years, secretary of the Zapata County Appraisal District, President of the Zapata Independent School District, vice president and board member of Los Ebanos Golf Course and on the Zapata County Fair Livestock Committee. He has served on the Zapata County Appraisal District Review Board (1997-1999) and as vice president of the Zapata County Little League (1997-1999). The Ramirez family partnership donated 70 acres of land for the construction of a $1 million dollar municipal airport in Zapata County, funded a $1 million scholarship endowment at Texas A&M International University in Laredo, Texas - the largest endowment for scholarships in the history of the University ― and has made
 
significant donations to the Capitol Tejano Monument effort to honor Hispanic contributions to Texas culture. Ramirez received a bachelor of science degree in agricultural economics in 1991 from Texas A&M University and is a 2009 graduate of The Graduate School of Banking at Louisiana State University. He is married to Erica Ramirez, vice principal of Zapata High School. Their children are Hugo, Kaitlyn, Kristyn and Kathryn. Ramirez is an avid golfer and hunter, plays men's softball and enjoys coaching his daughters' youth sports teams.
Renato Ramirez
President & CEO
International Bank of Commerce - Zapata, Texas
Renato Ramirez
President & CEO
International Bank of Commerce - Zapata, Texas
Whether the category is agribusiness or industrial development, the defining word for a number of cities along the U.S./Mexico border is "growth." As President of the fastest growing bank in South Texas, IBC-Zapata, Renato Ramirez has been a partner and supporter of commercial growth in his service to IBC Bank customers since arriving in Zapata in 1983. His leadership in a variety of civic organizations and projects has also established Ramirez as an important participant in the progress of the Zapata and Starr communities in general.
 
Prior to joining IBC-Zapata at its founding more than 20 years ago, Renato Ramirez applied his expertise in International Finance in Laredo where he managed foreign loans to Mexico under the Export/Import Bank program. His thorough knowledge of all areas of banking is enhanced by over 10 years of teaching finance at Laredo State University and Louisiana State University where he also served as associate dean of LSU's Escuela Bancaria Superior de Centro-America. During those years, he was also a consultant to the Tennessee Valley Authority on the impact of banking practices on regional economic development.
 
His personal impact on regional development beyond his banking leadership includes a very generous philanthropic heart. He has constructed a golf course for the community, made significant donations to an orphanage in Ciudad Mier, Mexico and to Sacred Heart Orphanage in Laredo. He also established scholarship programs at Laredo Community College and at Texas A & M International University, contributed to the Tejano Capitol Monument, contributed to the National Hispanic Institute, and made significant donations to the Zapata Boys and Girls Club. His high school recently inducted him into the Martin High School Tiger Legends and Laredo Community College has awarded him a Meritorious Service Award. He has served on various state boards.
 
Bilingual and bicultural, Renato Ramirez is also one of those rare Texans who know how to "gig'em" and "hook'em" having earned his B.S. degree from Texas A&M University and his M.B.A. from the University of Texas. In addition, he completed all graduate studies toward his Ph.D. in finance and economics at the University of Tennessee.
Julie Tarvin
President, IBC Services Administration,
in San Antonio, Texas
Julie Tarvin
President, IBC Services Administration,
in San Antonio, Texas
Julie Tarvin brings more than 20 years of experience to her position as CEO of IBC Bank's Service Center, the heart of the bank's transaction-processing capabilities. It is there where she oversees IBC Bank's information technology, including its hardware infrastructure, software and customer interface.
 
Tarvin began her banking career at IBC Bank as an operations analyst where she participated in the bank's development of a high-performance budgeting process. Her career progressed from there to financial reporting where, as senior vice president, Tarvin was instrumental in developing the bank's enterprise risk management and credit administration groups.
 
True to the IBC Bank "Do More" philosophy, Tarvin is deeply involved in the community. She has served on a number of boards and charitable causes, including Laredo's Communities in Schools as president and treasurer, the Junior Achievement Board, the board of Financial Women International, president of Leadership Laredo where she helped build the organization's youth leadership program, and a women's affinity group for women in finance associated with the San Antonio chapter of the Risk Management Association.
 
The Akron, Ohio, native graduated from the University of Akron in Ohio with a degree in finance. She and her husband, Frank, call San Antonio home with their two children, Ariana and Frankie.
Bill Schonacher
President & CEO
International Bank of Commerce - Oklahoma
Bill Schonacher
President & CEO
International Bank of Commerce - Oklahoma

Bill Schonacher is the President & CEO of IBC Bank- Oklahoma. With 27 years of banking experience, almost half of it with IBC Bank, Bill Schonacher is a seasoned banking veteran who brings a deep understanding of commercial lending, business services and retail banking to the Oklahoma market. In his current role as President and CEO, he directs all aspects of the bank's network, which includes 47 locations that serve 30 cities in 20 counties across the state of Oklahoma and North Texas. This includes locations in Oklahoma City, Tulsa, Lawton and the Dallas Metroplex.

 

Schonacher was named the CEO of IBC Bank-Oklahoma in June 2014, previously serving as President of IBC Bank's Tulsa Region since 2004. His expertise and vision enhance IBC Bank's role in the state's growth in oil and gas exploration, construction, manufacturing and business services.

 

Community involvement is a key component of IBC's "We Do More" philosophy which Schonacher supports through his volunteer efforts as a three-time vice chair of the Tulsa Metro Chamber Resource Campaign, past president of the Tulsa Ballet, two-time past president of the Jenks Public Schools Education Foundation and an advisory director of the Tulsa Metro Chamber of Commerce. Currently, Schonacher serves on the Executive Committee of the State Chamber of Oklahoma and serves as a board member for The Oklahoma Bankers Association, the Greater Oklahoma City Chamber of Commerce, Allied Arts, Oklahoma Achieves, United Way of Central Oklahoma, Oklahoma Hall of Fame and Forward OKC IV and V Steering  Committee.

 

Schonacher earned his liberal arts degree from the University of Kansas. He and his wife Lynne have been married 30 years and have four grown children.

Judith Wawroski
Executive Vice President and Chief Accounting Officer
Corporate Financial Accounting
Judith Wawroski
Executive Vice President and Chief Accounting Officer
Corporate Financial Accounting

Judith Wawroski serves as the Executive Vice President and Chief Accounting Officer of Corporate Financial Accounting at IBC Bank and the Treasurer and Chief Accounting Officer for International Bancshares Corporation, providing accounting support to all banks and non-bank subsidaries of the Corporation.


She joined IBC Bank in 1992 on a part-time basis while attending The University of Texas at Austin where she obtained a bachelors degree in accounting. After graduating she came onboard as a full-time staff accountant in 1996 at IBC Bank-Laredo and worked her way up through the ranks. She later earned a Masters of Professional Accountancy from Texas A&M International University.


Wawroski brings over 25 years of banking experience to her roles where she oversees all functions completed by the financial accounting department, including the management of all financial regulatory filings for the bank and holding company. She also functions as the primary coordinator and manager of the financial internal and external audits of the bank and holding company.


Her high degree of knowledge of banking policies, procedures and processes allows her to effectively manage any necessary changes to policies and procedures to ensure compliance with U.S. Generally Accepted Accounting Priniciples (GAAP), as well as regulations promulgated by the Securities and Exchange Commission, Federal Deposit Insurance Corporation, Internal Revenue Service, Texas Department of Banking and Oklahoma Department of Banking.


Wawroski demonstrates great leadership inside the bank as well as in the community, where she serves as the president of the board of Casa de Misericordia in Laredo and treasurer of the Laredo Little Theatre. Casa de Misericordia (CASA) offers battered women the chance to reclaim their lives through comprehensive, holistic services and consistent long-term support, providing secure, temporary residential services to victims of domestic violence. As president of the board, Wawroski ensures that CASA provides the best service possible to its clients while remaining compliant with all federal and state laws and in compliance with the use of funds the organization obtains through grants or funding. She has also held leadership positions in various other organizations, including Leadership Laredo, the Laredo Center for the Arts, the Laredo Women's Commission, and the March of Dimes.
In her personal time, Wawroski enjoys spending time with her husband, John Addison, and their daughter, Jacqueline Frances.

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