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INTERNATIONAL BANCSHARES CORP

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

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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$68.45+1.3%Stored close · as of Nov 9, 2026

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Contents

EX-13 · Non-Interest Income

Non-Interest Income

​​​​​​​​​​​​​​​
​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · 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)
Service charges on deposit accounts​ ​ ​$74,316​ ​ ​$73,714​ ​ ​0.8%$73,933​ ​ ​(0.3)%
Other service charges, commissions and fees​​​​​​​​​​​​​​
Banking​58,987​58,6820.5​57,9231.3​
Non-banking​10,458​10,3521.0​9,5468.4​
Investment securities transactions, net​(1)​(1)—​(3)(100.0)​
Other investments, net​6,910​13,133(47.4)​9,60136.8​
Other income​19,080​21,042(9.3)​18,94111.1​
Total non-interest income​$169,750​$176,922(4.1)%$169,9414.1%

Total non-interest income for the year ended December 31, 2025 decreased by 4.1% compared to the same period of 2024. The decrease can primarily be attributed to losses recorded on merchant banking investments and reflected in other investments, net in the table above. Non-interest income for the year ended December 31, 2024 increased by 4.1% compared to the same period of 2023. The increase can be primarily attributed to an increase in other investment income when compared to the same period of 2023. The decrease in 2023 was primarily attributed to losses recorded on certain merchant banking investments.

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