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Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
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Company details
Market cap
$4.7B
P/E ratio
11×
Div yield
2.1%
EPS (TTM)
$6.57
Return on equity
13.5%
Net income
$409M
Total assets
$15.7B
Deposits
$12.1B
In plain English
A ~$15.7B multibank holding company run from Laredo, Texas — its five 'IBC Bank' and Commerce Bank subsidiaries turn cheap, sticky deposits (~$12.1B) into loans (~$8.7B) across the Texas–Mexico border, south and central Texas and Oklahoma. Roughly 80% of revenue is net interest income; it earned ~$409M net in 2024 at a ~13.5% return on equity, with founder-CEO Dennis Nixon and index funds as its largest owners.
In simple terms
A border bank's money chain
Deposits from Texas and Oklahoma households and businesses flow into IBC's five banks; the Fed and FDIC set the rules; IBC turns that funding into commercial, real-estate, mortgage and trade-finance loans sold through 166 branches; and it lands on the consumers, businesses and governments who borrow and save.
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