{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-020307","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2026-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.349188+00:00","generated_at":"2026-05-15T23:54:33.676610+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"IBC reports 2025 net income $412.3M ($6.62 EPS), up 0.8% YoY; Q4 EPS $1.71 down 7.6%","bullets":["Annual net income $412.3M ($6.62 diluted EPS) vs $409.2M ($6.57) in 2024, up 0.8%.","Q4 net income $106.9M ($1.71 diluted EPS) vs $115.1M ($1.85) in Q4 2024, down 7.1%.","Total assets $16.6B at Dec 31 2025 vs $15.7B a year ago; net loans $9.3B vs $8.7B; deposits $12.4B vs $12.1B.","CEO credits balance sheet management, cost controls, and new AI initiatives for results.","No forward guidance or dividend change provided in the release."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-020307","json":"https://secwatch.observer/filing/0001104659-26-020307.json","markdown":"https://secwatch.observer/filing/0001104659-26-020307.md","text":"https://secwatch.observer/filing/0001104659-26-020307.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000110465926020307/0001104659-26-020307-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000110465926020307/iboc-20260226x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T23:54:33.676610+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}