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As we embark on a new year of uncertainties and challenges, I believe we should look towards the future with caution, but with a personal commitment to succeed. 

At IBC, our employees do just that by working diligently to promote, develop and preserve the financial service you depend on every day.  


I pledge to you that you can continue to put your trust and faith in IBC.  During the pandemic, IBC kept its doors open to make sure all of our customers' needs were met.  As we face this new economic uncertainty, you can count on IBC to be here for you.   Beyond banking, we offer a relationship based on trust, convenience and accessibility in 75 communities, with 167 branches and 257 ATMs throughout Texas and Oklahoma.  


While some see challenges, here at IBC we see opportunities.  For example, our home equity loan offers our customers the ability to reduce their credit card debt with a lower interest rate loan. Our free checking product also offers many benefits with no fees.  Our Investment Services provide a full range of products to diversify your assets.  These are just a few of the many ways you can manage your money to meet your current and future needs while maintaining your good credit rating.  


Don't hesitate to call on us or visit our digital channels for more information 24/7.  Our tutorial videos are available on our website or YouTube to expand your knowledge and understanding of our financial services, and all our products. 


We are here for you because your peace of mind matters to us - this is why we remain focused on "Doing More" every day for every customer. 


Rest assured, our first priority is your financial well-being.  With 56 years of servicing our customers, we will continue to be here to help you "do more" for many more years to come.   


Happy holidays and may you have a healthy and prosperous 2023.  


Thank you,  

Dennis E. Nixon  

Chairman and CEO 

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