---
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"
generated_at: "2026-05-15T23:54:33.676610+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# IBC reports 2025 net income $412.3M ($6.62 EPS), up 0.8% YoY; Q4 EPS $1.71 down 7.6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-020307
- JSON: https://secwatch.observer/filing/0001104659-26-020307.json
- Plain text: https://secwatch.observer/filing/0001104659-26-020307.txt

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