INTERNATIONAL BANCSHARES CORP

For the period ended Dec 31, 2025. Filed Feb 26, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 26, 2026

IBOC$67.60-1.0%Stored close · as of Nov 6, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Contents

EX-13 · (Unaudited)

(Unaudited)

Distribution of Assets, Liabilities and Shareholders’ Equity

The following table sets forth a comparative summary of average interest earning assets and average interest-bearing liabilities and related interest yields for the years ended December 31, 2025, 2024, and 2023. Tax-exempt income has not been adjusted to a tax-equivalent basis:


· · 2025 · · 2024 · · 2023
· · Average · · · · · Average · · Average · · · · · Average · · Average · · · · · Average
· · Balance · · Interest · · Rate/Cost · · Balance · · Interest · · Rate/Cost · · Balance · · Interest · · Rate/Cost
· · (Dollars in Thousands)
Assets
Interest earning assets:
Loan, net of unearned discounts:
Domestic	$9,017,546	688,878	7.64%	$8,224,350	672,611	8.18%	$7,526,132	611,836	8.13%
Foreign	165,117	10,993	6.66	131,700	8,669	6.58	147,477	8,212	5.57
Investment securities:
Taxable	5,253,563	164,572	3.13	5,238,923	153,486	2.93	5,167,485	132,151	2.56
Tax-exempt	149,740	5,955	3.98	158,526	6,146	3.88	162,300	6,259	3.86
Other	412,171	15,876	3.85	510,722	25,070	4.91	869,497	41,704	4.80
Total interest-earning assets	14,998,137	886,274	5.91%	14,264,221	865,982	6.07%	13,872,891	800,162	5.77%
Non-interest earning assets:
Cash and cash equivalents	120,757			140,757			141,365
Bank premises and equipment, net	405,843			414,631			412,678
Other assets	1,371,246			1,303,411			1,350,722
Less allowance for probable loan losses	(159,485)			(153,940)			(141,016)
Total	$16,736,498			$15,969,080			$15,636,640
Liabilities and Shareholders’ Equity
Interest bearing liabilities:
Savings and interest bearing demand deposits	$4,697,406	82,920	1.77%	$4,498,554	81,912	1.82%	$4,487,192	60,337	1.34%
Time deposits:
Domestic	1,241,058	41,681	3.37	1,134,834	41,031	3.62	985,189	23,189	2.35
Foreign	1,797,471	61,235	3.42	1,523,829	55,937	3.67	1,262,762	29,969	2.37
Securities sold under repurchase agreements	616,547	18,964	3.08	616,208	22,340	3.63	469,152	14,760	3.15
Other borrowings	55,004	2,330	4.25	10,718	281	2.62	10,839	283	2.61
Junior subordinated interest deferrable debentures	108,868	6,722	6.19	108,868	7,782	7.13	115,859	8,123	7.01
Total interest bearing liabilities	8,516,354	213,852	2.52%	7,893,011	209,283	2.65%	7,330,993	136,661	1.86%
Non-interest bearing liabilities:
Demand Deposits	4,612,673			4,800,102			5,299,865
Other liabilities	282,750			279,972			333,299
Shareholders’ equity	3,324,721			2,995,995			2,672,483
Total	$16,736,498			$15,969,080			$15,636,640
Net interest income		$672,422			$656,699			$663,501
Net yield on interest earning assets			4.50%			4.60%			4.78%

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.