INTERNATIONAL BANCSHARES CORP
For the period ended Dec 31, 2025. Filed Feb 26, 2026.
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FY2025 · Filed Feb 26, 2026
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EX-13 · (6) Deposits
(6) Deposits
Deposits as of December 31, 2025 and 2024 and related interest expense for the years ended December 31, 2025, 2024, and 2023 were as follows:
| | | | | | | | |
|---|---|---|---|---|---|---|---|
| · · 2025 · · 2024 | |||||||
| · · (Dollars in Thousands) | |||||||
| Deposits: | | | | | | | |
| Demand - non-interest bearing | | | | | | | |
| Domestic | | $3,727,802 | | $3,790,875 | | ||
| Foreign | | 758,406 | | 821,469 | | ||
| Total demand non-interest bearing | | 4,486,208 | | 4,612,344 | | ||
| Savings and interest bearing demand | | | | | | | |
| Domestic | | 3,427,721 | | 3,317,461 | | ||
| Foreign | | 1,321,257 | | 1,282,496 | | ||
| Total savings and interest bearing demand | | 4,748,978 | | 4,599,957 | | ||
| Time, certificates of deposit $100,000 or more | | | | | | | |
| Domestic | | 967,848 | | 876,254 | | ||
| Foreign | | 1,577,823 | | 1,390,566 | | ||
| Less than $100,000 | | | | | | | |
| Domestic | | 327,741 | | 317,220 | | ||
| Foreign | | 327,908 | | 315,503 | | ||
| Total time, certificates of deposit | | 3,201,320 | | 2,899,543 | | ||
| Total deposits | | $12,436,506 | | $12,111,844 | | ||
| | | | | | | | | | | |
|---|---|---|---|---|---|---|---|---|---|---|
| · · 2025 · · 2024 · · 2023 | ||||||||||
| · · (Dollars in Thousands) | ||||||||||
| Interest expense: | | | | | | | | | | |
| Savings and interest bearing demand | | | | | | | | | | |
| Domestic | $57,594 | | $56,759 | | $42,148 | | ||||
| Foreign | | 25,326 | | 25,153 | | 18,189 | | |||
| Total savings and interest bearing demand | | 82,920 | | 81,912 | | 60,337 | | |||
| Time, certificates of deposit $100,000 or more | | | | | | | | | | |
| Domestic | | 32,337 | | 32,283 | | 18,597 | | |||
| Foreign | | 52,134 | | 47,420 | | 25,471 | | |||
| Less than $100,000 | | | | | | | | | | |
| Domestic | | 9,344 | | 8,748 | | 4,592 | | |||
| Foreign | | 9,101 | | 8,517 | | 4,498 | | |||
| Total time, certificates of deposit | | 102,916 | | 96,968 | | 53,158 | | |||
| Total interest expense on deposits | | $185,836 | | $178,880 | | $113,495 | | |||
Scheduled maturities of time deposits as of December 31, 2025 were as follows:
| · · · · | |||
|---|---|---|---|
| · · Total | |||
| · · (in thousands) | |||
| 2026 | | $3,072,855 | |
| 2027 | | 94,969 | |
| 2028 | | 25,054 | |
| 2029 | | 8,139 | |
| 2030 | | 302 | |
| Thereafter | | 1 | |
| Total | | $3,201,320 | |
Scheduled maturities of time deposits in amounts of $100,000 or more at December 31, 2025, were as follows:
| · · · | ||
|---|---|---|
| | | Total |
| | | (in thousands) |
| Due within 3 months or less | | $1,132,341 |
| Due after 3 months and within 6 months | | 854,833 |
| Due after 6 months and within 12 months | | 469,068 |
| Due after 12 months | | 89,429 |
| | | $2,545,671 |
Time deposits that meet or exceed the FDIC insurance limit of $250,000 at December 31, 2025 and December 31, 2024 were $1,702,199,000 and $1,494,267,000, respectively.
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