IBOC on Nasdaq
International Bancshares Corporation
Logo: International Bancshares Corporation, Public domain, via Wikimedia Commons4
American financial services company
International Bancshares Corporation is a bank holding company based in Laredo, Texas whose primary subsidiary is International Bank of Commerce. Through its bank subsidiaries, it has 217 banking offices and 315 automated teller machines serving 88 communities in the U.S. states of Texas and Oklahoma.3 From Wikipedia, CC BY-SA 4.0
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Last updated Oct 18, 2026.
Overview
- TickerIBOC on Nasdaq1
- Industryfinancial services1
- HeadquartersLaredo1
- Websitewww.ibc.com
- Legal formFor-Profit Corporation1
- Incorporated inTX5
- Business address12Oo San Bernardo Ave, Po Box 1359, Laredo, Tx 78040-13595
- Filer categoryLarge accelerated filer5
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International Bancshares Corporation is a bank holding company based in Laredo, Texas whose primary subsidiary is International Bank of Commerce. Through its bank subsidiaries, it has 217 banking offices and 315 automated teller machines serving 88 communities in the U.S. states of Texas and Oklahoma.3
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Service Charges on Deposit Accounts brought in 52% of the revenue International Bancshares Corporation broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Service Charges on Deposit Accounts | $73.9M | $73.7M | $74.3M |
| Other service charges, commissions and fees Banking | $57.9M | $58.7M | $59.0M |
| Other service charges, commissions and fees, Non-banking | $9.5M | $10.4M | $10.5M |
Financial statements
Every line of the income statement in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $699.9M | $681.3M | $620.0M |
| Taxable | $164.6M | $153.5M | $132.2M |
| Tax-exempt | $6.0M | $6.1M | $6.3M |
| Other interest income | $15.9M | $25.1M | $41.7M |
| Total interest income | $886.3M | $866.0M | $800.2M |
| Savings deposits | $82.9M | $81.9M | $60.3M |
| Time deposits | $102.9M | $97.0M | $53.2M |
| Securities sold under repurchase agreements | $19.0M | $22.3M | $14.8M |
| Other borrowings | $2.3M | $281.0K | $283.0K |
| Junior subordinated deferrable interest debentures | $6.7M | $7.8M | $8.1M |
| Total interest expense | $213.9M | $209.3M | $136.7M |
| Net interest income | $672.4M | $656.7M | $663.5M |
| Credit loss expense | $15.1M | $31.8M | $34.6M |
| Net interest income after provision for credit losses | $657.3M | $624.9M | $628.9M |
| Investment securities transactions, net | -$1.0K | -$1.0K | -$3.0K |
| Other investments income, net | $6.9M | $13.1M | $9.6M |
| Other income | $19.1M | $21.0M | $18.9M |
| Total non-interest income | $169.8M | $176.9M | $169.9M |
| Employee compensation and benefits | $153.3M | $145.9M | $134.4M |
| Occupancy | $29.7M | $27.0M | $25.8M |
| Depreciation of bank premises and equipment | $23.3M | $22.5M | $21.9M |
| Professional fees | $13.6M | $15.7M | $14.0M |
| Deposit insurance assessments | $7.2M | $6.9M | $6.3M |
| Net operations, other real estate owned | $2.4M | $1.3M | -$4.0M |
| Advertising | $5.3M | $6.3M | $5.0M |
| Software and software maintenance | $22.6M | $21.1M | $20.0M |
| Other | $49.3M | $46.4M | $51.8M |
| Total non-interest expense | $306.7M | $293.1M | $275.4M |
| Income before income taxes | $520.4M | $508.7M | $523.5M |
| Provision for income taxes | $108.1M | $99.6M | $111.7M |
| Net income | $412.3M | $409.2M | $411.8M |
| Weighted average number of shares outstanding (in shares) | 62.2M shares | 62.2M shares | 62.1M shares |
| Net income per common share (in dollars per share) | $6.63 | $6.58 | $6.63 |
| Weighted average number of shares outstanding (in shares) | 62.3M shares | 62.3M shares | 62.2M shares |
| Net income per common share (in dollars per share) | $6.62 | $6.57 | $6.62 |
Every line of the balance sheet in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $536.5M | $352.7M | |
| Held to maturity debt securities (Market value of $4,400 on December 31, 2025 and $4,400 on December 31, 2024) | $4.4M | $4.4M | |
| Available for sale debt securities (Amortized cost of $5,281,090 on December 31, 2025 and $5,472,310 on December 31, 2024) | $5.0B | $5.0B | |
| Equity securities with readily determinable fair values | $5.6M | $5.4M | |
| Total investment securities | $5.0B | $5.0B | |
| Loans | $9.5B | $8.8B | |
| Less allowance for credit losses | -$159.2M | -$156.5M | -$157.1M |
| Net loans | $9.3B | $8.7B | |
| Bank premises and equipment, net | $423.0M | $428.2M | |
| Accrued interest receivable | $72.4M | $72.2M | |
| Other investments | $448.3M | $356.7M | |
| Cash surrender value of life insurance policies | $309.6M | $303.0M | |
| Goodwill | $282.5M | $282.5M | |
| Other assets | $226.4M | $292.5M | |
| Total assets | $16.6B | $15.7B | |
| Demand-non-interest bearing | $4.5B | $4.6B | |
| Savings and interest bearing demand | $4.7B | $4.6B | |
| Time | $3.2B | $2.9B | |
| Total deposits | $12.4B | $12.1B | |
| Securities sold under repurchase agreements | $585.5M | $535.3M | |
| Other borrowed funds | $10.3M | $10.5M | |
| Junior subordinated deferrable interest debentures | $108.9M | $108.9M | |
| Other liabilities | $183.4M | $175.6M | |
| Total liabilities | $13.3B | $12.9B | |
| Common shares of $1.00 par value. Authorized 275,000,000 shares; issued 96,658,794 shares on December 31, 2025 and 96,616,673 shares on December 31, 2024 | $96.7M | $96.6M | |
| Surplus | $160.9M | $159.3M | |
| Retained earnings | $3.7B | $3.4B | |
| Accumulated other comprehensive loss | -$246.3M | -$379.1M | |
| Total shareholders' equity before treasury stock | $3.7B | $3.2B | |
| Less cost of shares in treasury, 34,490,048 shares on December 31, 2025 and 34,407,674 on December 31, 2024 | -$441.0M | -$436.4M | |
| Total shareholders' equity | $3.3B | $2.8B | $2.4B |
| Total liabilities and shareholders' equity | $16.6B | $15.7B | |
| Held to maturity, Market value (in dollars) | $4.4M | $4.4M | |
| Available for sale, Amortized cost (in dollars) | $5.3B | $5.5B | |
| Common shares, par value (in dollars per share) | $1.00 | $1.00 | |
| Common shares, Authorized shares | 275.0M shares | 275.0M shares | |
| Common shares, issued shares | 96.7M shares | 96.6M shares | |
| Treasury, shares | 34.5M shares | 34.4M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $412.3M | $409.2M | $411.8M |
| Credit loss expense | $15.1M | $31.8M | $34.6M |
| Specific reserve, other real estate owned | $1.3M | $632.0K | $2.5M |
| Depreciation of bank premises and equipment | $23.3M | $22.5M | $21.9M |
| Gain on sale of bank premises and equipment | -$23.0K | -$378.0K | -$198.0K |
| Loss (gain) on sale of other real estate owned | $518.0K | $182.0K | -$7.4M |
| Accretion of investment securities discounts | -$4.5M | -$3.0M | -$1.9M |
| Amortization of investment securities premiums | $4.5M | $5.6M | $6.9M |
| Investment securities transactions, net | $1.0K | $1.0K | $3.0K |
| Unrealized (gain) loss on equity securities with readily determinable fair values | -$180.0K | $24.0K | -$59.0K |
| Stock based compensation expense | $104.0K | $214.0K | $330.0K |
| Earnings from affiliates and other investments | -$5.5M | -$7.4M | -$983.0K |
| Deferred tax expense (benefit) | $14.1M | -$11.5M | $22.9M |
| Increase in accrued interest receivable | -$255.0K | -$6.9M | -$19.5M |
| Decrease (increase) in other assets | $34.6M | -$8.1M | -$7.3M |
| (Decrease) increase in other liabilities | -$4.3M | $41.0M | $10.8M |
| Net cash provided by operating activities | $491.1M | $473.9M | $474.4M |
| Proceeds from maturities of securities | $1.3M | $2.1M | $51.2M |
| Proceeds from sales and calls of available for sale securities | $15.5M | $3.8M | $2.0M |
| Purchases of available for sale securities | -$813.0M | -$984.5M | -$1.1B |
| Principal collected on mortgage backed securities | $987.5M | $833.7M | $629.2M |
| Net increase in loans | -$664.7M | -$812.5M | -$633.0M |
| Purchases of other investments | -$131.1M | -$48.1M | -$31.3M |
| Distributions from other investments | $21.9M | $32.0M | $12.2M |
| Purchases of bank premises and equipment | -$18.1M | -$14.1M | -$27.5M |
| Proceeds from sales of bank premises and equipment | $23.0K | $874.0K | $269.0K |
| Proceeds from sales of other real estate owned | $9.0M | $1.8M | $8.9M |
| Net cash used in investing activities | -$591.7M | -$985.1M | -$1.1B |
| Net decrease in non-interest bearing demand deposits | -$126.1M | -$418.5M | -$815.2M |
| Net increase (decrease) in savings and interest bearing demand deposits | $149.0M | $231.4M | -$377.2M |
| Net increase in time deposits | $301.8M | $474.4M | $357.0M |
| Net increase in securities sold under repurchase agreements | $50.2M | $4.9M | $99.2M |
| Paydowns on long-term other borrowed funds | -$209.0K | -$204.0K | -$199.0K |
| Redemption of long-term debt | -$25.8M | ||
| Purchase of treasury stock | -$4.6M | -$963.0K | -$4.6M |
| Proceeds from stock transactions | $1.5M | $3.8M | $1.2M |
| Payments of cash dividends | -$87.1M | -$82.1M | -$78.2M |
| Net cash provided by (used in) financing activities | $284.5M | $212.7M | -$843.9M |
| Increase (decrease) in cash and cash equivalents | $183.8M | -$298.4M | -$1.4B |
| Interest paid | $216.6M | $201.8M | $117.9M |
| U.S. federal income taxes paid | $64.9M | $43.5M | $69.8M |
| Net transfers from loans to other real estate owned | $15.1M | $3.7M | $600.0K |
| Net transfers from loans to other investments | $25.6M |
Compare International Bancshares Corporation with another company
Subsidiaries and ownership
Subsidiaries
From Wikidata.1
Recent filings
- Oct 13, 20268-A12B
- Oct 13, 2026CERT IBOC 8A CERTIFICATION
- Oct 6, 20268-K
- Aug 6, 20268-K
- Aug 6, 202610-Q
- Aug 3, 20268-K
- May 22, 20264
- May 21, 2026144
- May 20, 20268-K
- May 12, 20268-K
- May 7, 20268-K
- May 7, 202610-Q
- Apr 29, 2026SCHEDULE 13G
- Apr 20, 2026DEF 14A FORM- DEF 14A
- Apr 20, 2026DEFA14A
Every filing from the last three years, summarized. The full record is on SEC EDGAR.2
Links
- Websitewww.ibc.com1
- WikipediaInternational Bancshares Corporation
- WikidataQ6048685
- SEC EDGARCIK 315709
Sources
The numbers on this page point here. Each one links to the record it came from.
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