# IBC Bank

> IBC Bank is the banking brand anchored by International Bank of Commerce in Laredo, Texas, within International Bancshares Corporation. Founded in 1966 to serve local businesses and cross-border commerce, it offers consumer accounts, business lending, treasury management and international banking through a Texas and Oklahoma network.

- **Founded:** 1966
- **Headquarters:** Laredo, United States
- **Founders:** A. R. Sánchez Sr. (Co-founder), Honoré Ligarde (Co-founder and early president), Max Mandel (Co-founder), Byron Miller (Co-founder)
- **Products:** Personal Free Checking, IBC Bank Online and Mobile Banking, Business banking and lending, IBC Link and Treasury Management, International banking
- **Notable:** Grew from a 1966 Laredo bank into the flagship of a multibank group with approximately $17 billion in consolidated assets in its October 2026 release., International Bancshares Corporation earned $412.293 million in 2025., Minitropolis received the Consumer Bankers Association’s 2020 Joe Belew Award.

## Products & services

- **Personal Free Checking** — $10 opening deposit, no minimum balance requirement and no monthly service charge; other fees, including inactivity or dormancy fees, can apply.
- **IBC Bank Online and Mobile Banking** — Account access, transfers, bill payment and mobile check deposits.
- **Business banking and lending** — Business checking and savings, term loans, commercial loans and revolving lines of credit, subject to approval.
- **IBC Link and Treasury Management** — Business account access, direct deposit, wires, Positive Pay, zero-balance accounts, lockbox and remote deposit services.
- **International banking** — Letters of credit, documentary collections, foreign exchange, wires and accounts for international customers. Letters of credit require an IBC deposit or loan relationship.
- **IBC Merchant Services powered by Basys** — Payment processing through countertop, virtual and mobile terminals, point-of-sale integrations and ecommerce solutions.
- **Mortgage and home equity lending** — Mortgage, home equity and home improvement products; a foreign-national loan program is also listed.
- **Insurance and investment services** — Related offerings through affiliates and providers. Investment products are not FDIC insured and may lose value.

## Achievements

- Grew from a 1966 Laredo bank into the flagship of a multibank group with approximately $17 billion in consolidated assets in its October 2026 release.
- International Bancshares Corporation earned $412.293 million in 2025.
- Minitropolis received the Consumer Bankers Association’s 2020 Joe Belew Award.
- The group and its subsidiaries reported more than $3 million of community contributions in 2024.

## Latest updates

- **2026-10** — On October 6, the parent announced a planned transfer of its primary stock listing from Nasdaq to the Texas Stock Exchange, scheduled for October 19, retaining IBOC. The reviewed announcement does not independently confirm completion.
- **2026-08** — The June 30 quarterly report, published August 6, reported first-half net income of $197.998 million, up 0.5%; second-quarter net income was $95.812 million, down 4.3%. Credit-loss expense increased.
- **2026-02** — The parent’s annual filing reported 2025 net income of $412.293 million and year-end assets of $16.576 billion.

## Links

- Website: https://www.ibc.com/
- LinkedIn: https://www.linkedin.com/company/ibc-bank/
- Twitter/X: https://twitter.com/ibcbank
- YouTube: https://www.youtube.com/user/ibcbankwedomore
- Instagram: https://www.instagram.com/ibcbankwedomore/
- Facebook: https://www.facebook.com/IBCBankWeDoMore/

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Profile page: https://yespress.io/ibc-bank
Published by YesPress — https://yespress.io
Last updated: 2026-10-22