Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2023

Capital Ratios

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, 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, Brownsville		477,390	24.41			136,883	7.000			127,106	6.50
International Bank of Commerce, Oklahoma		232,965	20.72			78,718	7.000			73,095	6.50
Commerce Bank		97,334	36.57			18,628	7.000			17,298	6.50
International Bank of Commerce, Zapata		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, Brownsville		500,268	25.58			205,325	10.500			195,547	10.00
International Bank of Commerce, Oklahoma		247,031	21.97			118,076	10.500			112,454	10.00
Commerce Bank		100,660	37.82			27,943	10.500			26,612	10.00
International Bank of Commerce, Zapata		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, Brownsville		477,390	24.41			166,215	8.500			156,438	8.00
International Bank of Commerce, Oklahoma		232,965	20.72			95,586	8.500			89,963	8.00
Commerce Bank		97,334	36.57			22,620	8.500			21,290	8.00
International Bank of Commerce, Zapata		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, Brownsville		477,390	11.79			161,919	4.00			202,398	5.00
International Bank of Commerce, Oklahoma		232,965	14.72			63,294	4.00			79,117	5.00
Commerce Bank		97,334	14.50			26,858	4.00			33,572	5.00
International Bank of Commerce, Zapata		64,110	13.26			19,338	4.00			24,172	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, 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, Oklahoma		363,093	20.86			121,855	7.000			113,151	6.50
International Bank of Commerce, Brownsville		232,689	21.17			76,941	7.000			71,445	6.50
International Bank of Commerce, Zapata		98,087	42.26			16,248	7.000			15,088	6.50
Commerce Bank		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, Oklahoma		383,804	22.05			182,782	10.500			174,078	10.00
International Bank of Commerce, Brownsville		243,739	22.18			115,412	10.500			109,916	10.00
International Bank of Commerce, Zapata		100,798	43.43			24,372	10.500			23,212	10.00
Commerce Bank		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, Oklahoma		363,093	20.86			147,966	8.500			139,262	8.00
International Bank of Commerce, Brownsville		232,689	21.17			93,429	8.500			87,933	8.00
International Bank of Commerce, Zapata		98,087	42.26			19,730	8.500			18,569	8.00
Commerce Bank		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, Oklahoma		363,093	8.95			162,246	4.00			202,808	5.00
International Bank of Commerce, Brownsville		232,689	13.48			69,028	4.00			86,286	5.00
International Bank of Commerce, Zapata		98,087	14.39			27,270	4.00			34,088	5.00
Commerce Bank		71,418	15.00			19,048	4.00			23,811	5.00