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 · Deposits
Deposits
The following table illustrates the average amounts of deposits for the twelve months ended December 31, 2025 and December 31, 2024. Included in the table is our estimate of the amount of total uninsured deposits as of December 31, 2025 and December 31, 2024.
| | | | | | | |
|---|---|---|---|---|---|---|
| · · 2025 · · 2024 | ||||||
| · · Average Balance · · Average Balance | ||||||
| | | (Dollars in Thousands) | ||||
| Deposits: | | | | | | |
| Demand—non-interest bearing | | | | | | |
| Domestic | | $3,808,679 | | $3,932,432 | ||
| Foreign | | 803,994 | | 867,670 | ||
| Total demand non-interest bearing | | 4,612,673 | | 4,800,102 | ||
| Savings and interest bearing demand | | | | | | |
| Domestic | | 3,403,296 | | 3,252,588 | ||
| Foreign | | 1,294,110 | | 1,245,966 | ||
| Total savings and interest bearing demand | | 4,697,406 | | 4,498,554 | ||
| Time certificates of deposit | | | | | | |
| Domestic | | 1,241,058 | | 1,134,834 | ||
| Foreign | | 1,797,471 | | 1,523,829 | ||
| Total time, certificates of deposit | | 3,038,529 | | 2,658,663 | ||
| Total deposits | | $12,348,608 | | $11,957,319 | ||
| | | | | | | |
| Uninsured Deposits: | | $4,294,801 | | $4,131,638 | ||
| | | | | | | |
Scheduled maturities of time deposits in amounts of $250,000 or more at December 31, 2025 and an estimate of uninsured time deposits, were as follows:
| | | | |
|---|---|---|---|
| Due within 3 months or less | | $774,138 | |
| Due after 3 months and within 6 months | | 603,797 | |
| Due after 6 months and within 12 months | | 274,555 | |
| Due after 12 months | | 49,709 | |
| | | $1,702,199 | |
| | | | |
| Portion of time deposits that are uninsured | | $1,095,699 |
We offer a variety of deposit accounts having a wide range of interest rates and terms. We rely primarily on our high-quality customer service, sales programs, customer referrals, and advertising to attract and retain these deposits. Deposits provide the primary source of funding for our lending and investment activities, and the interest paid for deposits must be managed carefully to control the level of interest expense. Deposits at December 31, 2025 were $12,436,506,000, an increase of 2.7% from $12,111,844,000 at December 31, 2024. Deposit balances increased for the twelve months ended December 31, 2025 compared to the same period of 2024, however, they have continued to fluctuate as a result of increased general activities by customers and increased competition for deposits as a result of aggressive pricing by competitors. We have closely monitored the rates paid on deposits by competitors and have made changes to our pricing accordingly in order to remain competitive in an effort to retain deposits. The five separately chartered Subsidiary Banks within our holding company structure also allows us to work with customers to maximize their FDIC deposit insurance levels and provide additional levels of insured deposits.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.