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Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2024

Capital Requirements

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, 2024:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated		$	2,893,228		22.42	%	$	903,203		7.000	%		N/A		N/A
International Bank of Commerce, Laredo			1,638,720		19.46			589,359		7.000		$	547,262		6.50	%
International Bank of Commerce, Brownsville			554,879		26.11			148,761		7.000			138,136		6.50
International Bank of Commerce, Oklahoma			240,023		20.57			81,679		7.000			75,845		6.50
Commerce Bank			102,200		37.50			19,077		7.000			17,714		6.50
International Bank of Commerce, Zapata			66,932		32.74			14,310		7.000			13,287		6.50
Total Capital (to Risk Weighted Assets):
Consolidated		$	3,136,215		24.31	%	$	1,354,805		10.500	%		N/A		N/A
International Bank of Commerce, Laredo			1,744,057		20.71			884,039		10.500		$	841,942		10.00	%
International Bank of Commerce, Brownsville			578,515		27.22			223,142		10.500			212,516		10.00
International Bank of Commerce, Oklahoma			254,659		21.82			122,519		10.500			116,685		10.00
Commerce Bank			105,090		38.56			28,616		10.500			27,253		10.00
International Bank of Commerce, Zapata			69,278		33.89			21,464		10.500			20,442		10.00
Tier 1 Capital (to Risk Weighted Assets):
Consolidated		$	2,974,881		23.06	%	$	1,096,747		8.500	%		N/A		N/A
International Bank of Commerce, Laredo			1,638,720		19.46			715,651		8.500		$	673,554		8.00	%
International Bank of Commerce, Brownsville			554,879		26.11			180,639		8.500			170,013		8.00
International Bank of Commerce, Oklahoma			240,023		20.57			99,182		8.500			93,348		8.00
Commerce Bank			102,200		37.50			23,165		8.500			21,802		8.00
International Bank of Commerce, Zapata			66,932		32.74			17,376		8.500			16,354		8.00
Tier 1 Capital (to Average Assets):
Consolidated		$	2,974,881		18.84	%	$	631,755		4.00	%	$	N/A		N/A
International Bank of Commerce, Laredo			1,638,720		17.67			370,911		4.00			463,639		5.00	%
International Bank of Commerce, Brownsville			554,879		13.08			169,680		4.00			212,100		5.00
International Bank of Commerce, Oklahoma			240,023		14.47			66,341		4.00			82,926		5.00
Commerce Bank			102,200		13.53			30,219		4.00			37,774		5.00
International Bank of Commerce, Zapata			66,932		13.44			19,917		4.00			24,896		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, 2023:
Common Equity Tier 1 (to Risk Weighted Assets):
Consolidated		$	2,563,130		21.72	%	$	825,968		7.000	%		N/A		N/A
International Bank of Commerce, Laredo			1,444,775		18.54			545,611		7.000		$	506,639		6.50	%
International Bank of Commerce, Oklahoma			477,390		24.41			136,883		7.000			127,106		6.50
International Bank of Commerce, Brownsville			232,965		20.72			78,718		7.000			73,095		6.50
International Bank of Commerce, Zapata			97,334		36.57			18,628		7.000			17,298		6.50
Commerce Bank			64,110		31.18			14,394		7.000			13,366		6.50
Total Capital (to Risk Weighted Assets):
Consolidated		$	2,790,171		23.65	%	$	1,238,952		10.500	%		N/A		N/A	%
International Bank of Commerce, Laredo			1,542,462		19.79			818,416		10.500		$	779,444		10.00
International Bank of Commerce, Oklahoma			500,268		25.58			205,325		10.500			195,547		10.00
International Bank of Commerce, Brownsville			247,031		21.97			118,076		10.500			112,454		10.00
International Bank of Commerce, Zapata			100,660		37.82			27,943		10.500			26,612		10.00
Commerce Bank			66,680		32.43			21,591		10.500			20,563		10.00
Tier 1 Capital (to Risk Weighted Assets):																%
Consolidated		$	2,642,492		22.39	%	$	1,002,961		8.500	%		N/A		N/A
International Bank of Commerce, Laredo			1,444,775		18.54			662,527		8.500		$	623,555		8.00
International Bank of Commerce, Oklahoma			477,390		24.41			166,215		8.500			156,438		8.00
International Bank of Commerce, Brownsville			232,965		20.72			95,586		8.500			89,963		8.00
International Bank of Commerce, Zapata			97,334		36.57			22,620		8.500			21,290		8.00
Commerce Bank			64,110		31.18			17,478		8.500			16,450		8.00	%
Tier 1 Capital (to Average Assets):
Consolidated		$	2,642,492		17.46	%	$	605,262		4.00	%	$	N/A		N/A
International Bank of Commerce, Laredo			1,444,775		16.40			352,412		4.00			440,515		5.00
International Bank of Commerce, Oklahoma			477,390		11.79			161,919		4.00			202,398		5.00
International Bank of Commerce, Brownsville			232,965		14.72			63,294		4.00			79,117		5.00
International Bank of Commerce, Zapata			97,334		14.50			26,858		4.00			33,572		5.00
Commerce Bank			64,110		13.26			19,338		4.00			24,172		5.00