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Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2022

Schedule of the Company's and the bank subsidiaries' actual capital amounts and ratios



					For Capital Adequacy				To Be Well-Capitalized
					Purposes				Under Prompt Corrective
	Actual				Phase In Schedule				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
					(greater than		(greater than		(greater than		(greater than
					or equal to)		or equal to)		or equal to)		or equal to)
	(Dollars in Thousands)
As of December 31, 2022:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated	$	2,232,723	20.21	%	$	773,398	7.000	%		N/A	N/A
International Bank of Commerce, Laredo		1,310,616	18.07			507,625	7.000		$	471,366	6.50	%
International Bank of Commerce, Brownsville		363,093	20.86			121,855	7.000			113,151	6.50
International Bank of Commerce, Oklahoma		232,689	21.17			76,941	7.000			71,445	6.50
Commerce Bank		98,087	42.26			16,248	7.000			15,088	6.50
International Bank of Commerce, Zapata		71,418	37.70			13,261	7.000			12,314	6.50
Total Capital (to Risk Weighted Assets):
Consolidated	$	2,455,468	22.22	%	$	1,160,096	10.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,401,298	19.32			761,438	10.500		$	725,179	10.00	%
International Bank of Commerce, Brownsville		383,804	22.05			182,782	10.500			174,078	10.00
International Bank of Commerce, Oklahoma		243,739	22.18			115,412	10.500			109,916	10.00
Commerce Bank		100,798	43.43			24,372	10.500			23,212	10.00
International Bank of Commerce, Zapata		73,420	38.76			19,892	10.500			18,945	10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated	$	2,324,903	21.04	%	$	939,126	8.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,310,616	18.07			616,402	8.500		$	580,143	8.00	%
International Bank of Commerce, Brownsville		363,093	20.86			147,966	8.500			139,262	8.00
International Bank of Commerce, Oklahoma		232,689	21.17			93,429	8.500			87,933	8.00
Commerce Bank		98,087	42.26			19,730	8.500			18,569	8.00
International Bank of Commerce, Zapata		71,418	37.70			16,103	8.500			15,156	8.00
Tier 1 Capital (to Average Assets):
Consolidated	$	2,324,903	14.59	%	$	637,578	4.00	%	$	N/A	N/A
International Bank of Commerce, Laredo		1,310,616	13.09			400,489	4.00			500,611	5.00	%
International Bank of Commerce, Brownsville		363,093	8.95			162,246	4.00			202,808	5.00
International Bank of Commerce, Oklahoma		232,689	13.48			69,028	4.00			86,286	5.00
Commerce Bank		98,087	14.39			27,270	4.00			34,088	5.00
International Bank of Commerce, Zapata		71,418	15.00			19,048	4.00			23,811	5.00


										To Be Well-Capitalized
					For Capital Adequacy					Under Prompt Corrective
	Actual				Purposes					Action Provisions
	Amount		Ratio		Amount		Ratio			Amount	Ratio
					(greater than		(greater than		(greater than		(greater than
					or equal to)		or equal to)		or equal to)		or equal to)
	(Dollars in Thousands)
As of December 31, 2021:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated	$	2,057,928	20.47	%	$	703,710	7.000	%		N/A	N/A
International Bank of Commerce, Laredo		1,287,687	19.74			456,544	7.000		$	423,934	6.50	%
International Bank of Commerce, Oklahoma		315,957	19.80			111,690	7.000			103,712	6.50
International Bank of Commerce, Brownsville		221,567	18.59			83,452	7.000			77,491	6.50
International Bank of Commerce, Zapata		102,375	46.06			15,559	7.000			14,448	6.50
Commerce Bank		75,303	42.25			12,475	7.000			11,584	6.50
Total Capital (to Risk Weighted Assets):
Consolidated	$	2,284,579	22.73	%	$	1,055,565	10.500	%		N/A	N/A	%
International Bank of Commerce, Laredo		1,367,487	20.97			684,816	10.500		$	652,206	10.00
International Bank of Commerce, Oklahoma		334,495	20.96			167,535	10.500			159,557	10.00
International Bank of Commerce, Brownsville		232,454	19.50			125,178	10.500			119,217	10.00
International Bank of Commerce, Zapata		104,996	47.24			23,339	10.500			22,227	10.00
Commerce Bank		77,354	43.40			18,713	10.500			17,822	10.00
Tier 1 Capital (to Risk Weighted Assets):												%
Consolidated	$	2,170,682	21.59	%	$	854,505	8.500	%		N/A	N/A
International Bank of Commerce, Laredo		1,287,687	19.74			554,375	8.500		$	521,764	8.00
International Bank of Commerce, Oklahoma		315,957	19.80			135,623	8.500			127,645	8.00
International Bank of Commerce, Brownsville		221,567	18.59			101,334	8.500			95,374	8.00
International Bank of Commerce, Zapata		102,375	46.06			18,893	8.500			17,782	8.00
Commerce Bank		75,303	42.25			15,149	8.500			14,258	8.00	%
Tier 1 Capital (to Average Assets):
Consolidated	$	2,170,682	13.94	%	$	622,671	4.00	%	$	N/A	N/A
International Bank of Commerce, Laredo		1,287,687	11.14			462,225	4.00			577,781	5.00
International Bank of Commerce, Oklahoma		315,957	20.17			62,663	4.00			78,329	5.00
International Bank of Commerce, Brownsville		221,567	11.49			77,164	4.00			96,455	5.00
International Bank of Commerce, Zapata		102,375	16.10			25,441	4.00			31,801	5.00
Commerce Bank		75,303	16.15			18,651	4.00			23,314	5.00