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 · Non-Interest Expense
Non-Interest Expense
| | | | | | | | | | | | | | | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| · · · · · · · · Percent · · · · · Percent | ||||||||||||||
| · · Year Ended · · Year Ended · · Increase · · Year Ended · · Increase | ||||||||||||||
| · · December 31, · · December 31, · · (Decrease) · · December 31, · · (Decrease) | ||||||||||||||
| · · 2025 · · 2024 · · 2025 vs. 2024 · · 2023 · · 2024 vs. 2023 | ||||||||||||||
| · · (Dollars in Thousands) | ||||||||||||||
| Employee compensation and benefits | | $153,342 | | $145,944 | | 5.1% | $134,441 | | 8.6% | |||||
| Occupancy | | 29,705 | | 27,012 | 10.0 | | 25,832 | 4.6 | | |||||
| Depreciation of bank premises and equipment | | 23,349 | | 22,524 | 3.7 | | 21,944 | 2.6 | | |||||
| Professional fees | | 13,577 | | 15,726 | (13.7) | | 14,000 | 12.3 | | |||||
| Deposit insurance assessments | | 7,151 | | 6,865 | 4.2 | | 6,285 | 9.2 | | |||||
| Net expense, other real estate owned | | 2,389 | | 1,298 | 84.1 | | (3,983) | (132.6) | | |||||
| Advertising | | 5,311 | | 6,289 | (15.6) | | 5,010 | 25.5 | | |||||
| Software and software maintenance | | | 22,614 | | | 21,093 | | 7.2 | | | 20,046 | | 5.2 | |
| Other | | 49,280 | | 46,368 | 6.3 | | 51,779 | (10.5) | | |||||
| Total non-interest expense | | $306,718 | | $293,119 | 4.6% | $275,354 | 6.5% | |||||||
Non-interest expense for the year ended December 31, 2025 increased by 4.6% compared to 2024 and increased by 6.5% for the year ended December 31, 2024 compared to 2023. The increase in both years can primarily be attributed to continued increases in our employee compensation and benefit costs as we continue to review and adjust our compensation and benefits programs to recognize performance and retain our workforce. We continue to monitor and manage our controllable non-interest expenses through a variety of measures with the ultimate goal of ensuring we align non-interest expenses with our operations and revenue streams.
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