---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-107576"
form_type: "8-K"
ticker: "IBOC"
cik: "0000315709"
company_name: "INTERNATIONAL BANCSHARES CORP"
filed_at: "2025-11-06T23:59:59+00:00"
generated_at: "2026-05-17T00:04:11.750266+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# IBC Q3 2025 net income $108.4M, EPS $1.74, up 8.8% YoY

## Summary
- Net income $108.4M ($1.74 diluted EPS) vs $99.8M ($1.60) in Q3 2024, up 8.6%.
- Nine-month net income $305.4M ($4.91 EPS) vs $294.1M ($4.72) in 2024, up 3.8%.
- Total assets $16.6B, net loans $9.2B, deposits $12.5B at Sept 30, 2025.
- Interest income growth partly offset by higher deposit costs; provision for credit losses decreased.

## SEC filing metadata
- accession: 0001104659-25-107576
- form_type: 8-K
- ticker: IBOC
- cik: 0000315709
- company_name: INTERNATIONAL BANCSHARES CORP
- filed_at: 2025-11-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/315709/000110465925107576/0001104659-25-107576-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/315709/000110465925107576/iboc-20251106x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-107576
- JSON: https://secwatch.observer/filing/0001104659-25-107576.json
- Plain text: https://secwatch.observer/filing/0001104659-25-107576.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.