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 Message from our Chairman 

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Always bear in mind that your own resolution to succeed is more important than any other.” -Abraham Lincoln

The start of a new year is a perfect time to reflect on the past and look forward to the future. This past year, IBC Bank had a phenomenal 2016 thanks to our customers and our outstanding employees. The year was celebrated with 50th anniversary activities across Texas and Oklahoma – an accomplishment that wouldn’t have been possible without your support.

A big part of our 50th anniversary celebration revolved around all of us working together to raise money for MD Anderson. We were touched to have so many of you donate your time and resources, allowing us to meet our $1 million customer fundraising goal. With our IBC dollar-for-dollar match, we were pleased to present a $2 million check to The University of Texas MD Anderson Cancer Center for its continued research.  Thank you!!

We are looking forward to another 50 years of serving you as your community bank. In 2017, we want to continue to do more so you can do more for your family and your business. In an effort to help you do more, our team will continue to keep its finger on the pulse of the political landscape so we can help foster the regulatory change needed within the banking industry. These efforts will allow us to provide you with better service using bank discretion, including loans based on character, relationships and history with the bank rather than an algorithm dictated by the government.

The misguided aim of the Dodd-Frank Act, when implemented, was to prevent the recurrence of the 2008 financial crisis.  In turn, it has made community banking nearly impossible and made lending much more difficult, crippling the people and businesses it aimed to protect.  Community bankers know their customers, which is what sets us apart from the big box banks. With regulatory reform, including repealing the Dodd-Frank Act, lending decisions should come back to the local lenders.  Lending is more art than science -- I think it is time to get back to painting.

Looking back over the past 50 years, we know community banking works because of the response we get from people in our communities who are not only our customers, but also our friends and who in many cases have become a part of the IBC family.  IBC’s 50 years of growth, as well as many other older community banks, is attributed to the banking decisions we were able to make with the people we knew on a personal level.  Looking to the future, we want to be able to help you do more, and to start, this means encouraging regulators to allow bankers to make local banking decisions.

IBC Bank wants you to connect with the resources you need in 2017; therefore, we will continue to do more for the community and banking industry so you, too, can do more for your family and business.

We are very grateful for all the success we have enjoyed at IBC. This success is the result of the contribution of everyone committed to IBC now and over the past 50 years.