IBC Bank, formally known as the International Bank of Commerce, was established in 1966. It was founded by A. R. Sanchez, Sr., and Honoré Ligarde, who were key figures in the bank's early history. Ligarde, a state representative for Webb County from 1963 to 1973, later served as the IBC president​. The bank's headquarters are situated in Laredo, Texas, and it operates as a state-chartered bank under the ownership of the International Bancshares Corporation. IBC Bank is notably one of the largest banks in Texas and holds the position of being the 83rd largest bank in the United States by asset size. Additionally, it is recognized as the largest minority-owned bank in the country​. To Read Core Details Of IBC Bank In short CLick Here.

IBC Bank is classified as a Federal Reserve Non-member Bank and is a proud member of the FDIC (Federal Deposit Insurance Corporation) with FDIC Certificate numbers #19629, #23772, #24961, #25679, #59093. The routing number for IBC Bank varies in every city. Here is the list of IBC Bank Routing Numbers CLick Here. As for its operational footprint, IBC Bank has a strong presence in Texas and Oklahoma, serving 88 communities through a network of 180 branches and over 280 ATMs​​.

The ethos of IBC Bank is encapsulated in its approach to "relationship banking," which is central to its mission and values. The bank endeavors to know its customers on a personal level to ensure the provision of products and services that best meet their everyday needs. From free checking accounts to personal loans, IBC Bank is committed to offering banking solutions that empower its customers to do more in their personal life​​.

The phrase "We Do More" resonates as the motto of IBC Bank, reflecting its commitment to going above and beyond in serving the financial needs of its communities. Over the years, IBC Bank has grown and evolved, yet its core emphasis on relationship banking and customer-centric service remains unchanged. Through a combination of personalized service, a wide range of banking products, and a strong community presence, IBC Bank continues to uphold its tradition of excellence in the banking sector.


Bank Name IBC Bank
Headquarters 1200 San Bernardo Avenue, Laredo, Texas 78040
Bank Class State Chartered - FED Nonmember Bank
Founders A. R. Sanchez, Sr., Honoré Ligarde
CEO Dennis Nixon
Bank FDIC #19629, #23772, #24961, #25679, #59093
Swift Code IBCLUS44XXX
Atm's 280
Location 180 Branches in 2 states
Routing Number Click Here
Customer Service 1-866-902-5860
Credit Card Support 1-800-444-6938
Number of Employees 2200+
Area Served Texas and Oklahoma
Key People A. R. Sanchez, Sr. - Founder, Dennis Nixon - CEO, Honoré Ligarde - Founder
Website https://www.ibc.com/


State IBC Bank routing number State IBC Bank routing number State IBC Bank routing number
Laredo 114902528 Commerce Bank 114909903 Zapata 114912709
San Antonio 114013284 McAllen 114917623 Port Lavaca 113105025
Corpus Christi 114912275 Brownsville 114911580 Houston 113000861
Eagle Pass 114902612 Austin 114902528 Oklahoma 303072793


A SWIFT code, also known as a BIC (Bank Identifier Code), is a standard format for uniquely identifying banks globally, especially during international transactions. It comprises 8-11 characters. The first 4 characters represent the bank's code, the next 2 denote the country, followed by 2 for the city. The remaining characters (which are optional) specify the bank's branch. This system ensures secure and efficient cross-border transfers. For instance, when sending money overseas, one would need the recipient's bank SWIFT code. It acts as an address that tells where to send the money, ensuring funds reach the correct institution.


IBCL Bank code
US Country code
44 Location code
XXX Branch code
  • Country code A-Z

    2 letters representing the country the bank is in.

  • Location code 0-9 A-Z

    2 characters made up of letters or numbers. It says where that bank's head office is.

  • Branch Code 0-9 A-Z

    3 digits specifying a particular branch. 'XXX' represents the bank’s head office.


Below is a list of some important events in banks history, including mergers and acquisitions.

09-02-1966 Institution established. Original name: Bank of Commerce of Laredo.
05-01-1989 Changed Institution Name to International Bank of Commerce.
05-01-1989 Acquired International Bank of Commerce, National Association, San An (24892) in San Antonio, TX.
06-29-1990 Acquired Valley Federal Savings Association (32823) in Mcallen, TX.
06-21-1991 Acquired Travis Federal Savings and Loan Association (33090) in San Antonio, TX.
06-25-1992 Acquired Castle Hills National Bank (25063) in San Antonio, TX.
09-01-1994 Acquired First State Bank and Trust Company (11940) in Port Lavaca, TX.
01-31-1995 Acquired Bank of Corpus Christi (24475) in Corpus Christi, TX.
09-08-1995 Acquired Stone Oak National Bank (24549) in San Antonio, TX.
11-06-1997 Acquired University Bank (15885) in Houston, TX.
12-28-2001 Acquired Nbc Bank, National Association (3180) in Eagle Pass, TX.
04-16-2004 Main Office moved to 1200 San Bernardo Avenue, Laredo, TX 78040.
06-19-2004 Acquired Local Oklahoma Bank (28542) in Oklahoma City, OK.
03-16-2007 Acquired Commercial State Bank (1217) in Sinton, TX.
03-16-2007 Changed Institution Name to International Bank of Commerce.