International Bank of Commerce

Headquarters: Zapata, Texas
Charter: Bank
Assets: $567.8M
Fed district: Dallas
Regulator: FDIC
Holding company: International Bancshares Corp.

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

Call-report figures are for International Bank of Commerce at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	International Bank of Commerce's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: International Bank of Commerce (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $1.3M in Q2 2026, 9.0% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Personal Rite Checking $7.95 · Personal Regular Checking $9.95
Compared at $8.95, the middle of its prices
International Bank of Commerce: $7.95 to $9.95
International Bank of Commerce: $7.95 to $9.95
U.S. median: no median
Overdraft (OD)
International Bank of Commerce: $35
International Bank of Commerce: $35
U.S. median: no median
Non-Network ATM
International Bank of Commerce: $2
International Bank of Commerce: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 1.2% from Q3 2025 to Q2 2026, to $1.3M.

Service-charge income, Q2 2026

$1.3M

$1.3MQ3 2025

$1.3MQ4 2025

$1.3MQ1 2026

$1.3MQ2 2026

Against the median

International Bank of CommerceMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

International Bank of Commerce · $568M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$553M to $582M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
International Bank of Commerce(this institution)	Zapata, TX	$568M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baraboo State Bank	Baraboo, WI	$570M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bay State Savings Bank	Worcester, MA	$580M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Central State Bank	State Center, IA	$558M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Century Bank	Lucedale, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens' Bank & Trust Co.	Van Buren, AR	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank	Ithaca, MI	$553M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cottonport Bank	Cottonport, LA	$582M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eastern Michigan Bank	Croswell, MI	$554M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank	Baldwyn, MS	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers Bank of Northern Missouri	Unionville, MO	$567M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	McComb, MS	$563M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commercial Bank, National Association	Seguin, TX	$566M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings and Loan Association of Lorain	Lorain, OH	$574M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank & Trust Company of McAlester	McAlester, OK	$580M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FNBC Bank & Trust	La Grange, IL	$582M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Home Federal Savings and Loan Association of Grand Island	Grand Island, NE	$563M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Hyperion Bank	Philadelphia, PA	$570M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountain Valley Bank	Walden, CO	$557M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northwestern Mutual Wealth Management	Milwaukee, WI	$558M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Redwood Capital Bank	Eureka, CA	$566M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SouthTrust Bank, N.A.	George West, TX	$579M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The National Bank of Middlebury	Middlebury, VT	$554M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Bank of Union	Union, MO	$578M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Mississippi Bank	Natchez, MS	$561M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Point Bank	Radcliff, KY	$561M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.95 (28%) above the median of similar-sized banks.

Compared at $8.95, the middle of its two prices, against a peer median of $7 among 16 publishing peers.

Its two checking prices are $7.95 and $9.95.

$8.95 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

International Bank of Com…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for International Bank of Commerce (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.3M
vs prior quarter: +$20K+1.5%; from Q1 2026
vs a year earlier: +$109K+9.0%; from Q2 2025
vs start of range: +$59K+4.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: International Bank of Commerce (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.3M	+$20K	+1.5%
Q1 2026	$1.3M	−$23K	−1.7%
Q4 2025	$1.3M	+$18K	+1.4%
Q3 2025	$1.3M	+$94K	+7.8%
Q2 2025	$1.2M	+$11K	+0.9%
Q1 2025	$1.2M	−$85K	−6.6%
Q4 2024	$1.3M	+$24K	+1.9%
Q3 2024	$1.3M	+$62K	+5.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from International Bank of Commerce’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$9.95
per month
Monthly Maintenance$7.95
per month
Account closed within 90 days of opening$10
Dormant fee$5
per month
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item
Overdraft transfer protection (audience not stated, treated as personal)$12
per item

ATM & Card

Balance Inquiry$2
per item
Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item
Outgoing Wire Transfer outside USA Consumer Customer$60
per item

Check Services

Cashier's Checks: Customers (audience not stated, treated as personal)$10
per item
Reproduction of TT&Ls or Cashier's checks$5
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item

Digital & Electronic

BILL PAY: Overnight Check (audience not stated, treated as personal)$14.95
Not compared: Per-item charge, not monthly
per item
Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$9.95	per month	None
Monthly Maintenance	$7.95	per month	None
Account closed within 90 days of opening	$10	Not stated	None
Dormant fee	$5	per month	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
Overdraft transfer protection (audience not stated, treated as personal)	$12	per item	None
ATM & Card
Balance Inquiry	$2	per item	None
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Outgoing Wire Transfer outside USA Consumer Customer	$60	per item	None
Check Services
Cashier's Checks: Customers (audience not stated, treated as personal)	$10	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Digital & Electronic
BILL PAY: Overnight Check (audience not stated, treated as personal)	$14.95Not compared: Per-item charge, not monthly	per item	None
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Account closed within 90 days of opening$10
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item

ATM & Card

Balance Inquiry$2
per item
Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item

Check Services

Reproduction of TT&Ls or Cashier's checks$5
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item

Digital & Electronic

Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Cash & Deposit

Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)$12
per item

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$10	Not stated	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
ATM & Card
Balance Inquiry	$2	per item	None
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Check Services
Reproduction of TT&Ls or Cashier's checks	$5	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Digital & Electronic
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)	$12	per item	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where International Bank of Commerce operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve and Texas Department of Banking

The Federal Reserve and Texas Department of Banking have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Texas Department of Banking, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

INTERNATIONAL BANCSHARES CORP (Nasdaq: IBOC)

Consolidated assets

$17.3B

Shareholders' equity

$3.3B

As of

2026Q3

Net income by quarter

Recent SEC filings

10-Q10-Q2026-11-05View
8-K8-K2026-11-05View
8-KFORM 8-K2026-10-06View
8-K8-K2026-08-06View
10-Q10-Q2026-08-06View
8-KFORM 8-K2026-08-03View
8-KFORM 8-K2026-05-20View
8-KFORM 8-K2026-05-12View
10-Q10-Q2026-05-07View
8-K8-K2026-05-07View
DEF 14AFORM- DEF 14A2026-04-20View
10-K10-K2026-02-26View

Source: SEC EDGAR filings and XBRL financial data, CIK 315709. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when International Bank of Commerce's ach origination changes in our data

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