---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-22-016191"
form_type: "8-K"
ticker: "IBOC"
cik: "0000315709"
company_name: "INTERNATIONAL BANCSHARES CORP"
filed_at: "2022-11-03T23:59:59+00:00"
generated_at: "2026-06-22T10:00:44.419757+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# International Bancshares Q3 net income up 53% to $83.4M, EPS $1.34

## Summary
- Q3 net income $83.4M ($1.34 diluted EPS) vs $54.6M ($0.86) in Q3 2021, increases of 53% and 56%.
- Nine-month net income $194.8M ($3.09 EPS) vs $197.4M; excluding $42.8M non-recurring 2021 gain, adjusted net income up 26%.
- Net interest income rose on Fed rate hikes and investment portfolio growth; expenses down ~15% in 2021 vs 2019.
- Total deposits $12.9B vs $12.6B at Dec 2021; net loans $6.9B vs $7.1B.
- CEO highlights strong capital, liquidity, and cost control; monitoring credit losses amid economic uncertainty.

## SEC filing metadata
- accession: 0001558370-22-016191
- form_type: 8-K
- ticker: IBOC
- cik: 0000315709
- company_name: INTERNATIONAL BANCSHARES CORP
- filed_at: 2022-11-03T23:59:59+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/315709/000155837022016191/0001558370-22-016191-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/315709/000155837022016191/iboc-20221103x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-016191
- JSON: https://secwatch.observer/filing/0001558370-22-016191.json
- Plain text: https://secwatch.observer/filing/0001558370-22-016191.txt

## Key facts
- Earnings Releases
  INTERNATIONAL BANCSHARES CORP reported Q3 2022 (three months ended September 30, 2022) results: net income 83.4 million, EPS 1.34.
  - Period: Q3 2022 (three months ended September 30, 2022)
  - Net income: 83.4 million
  - EPS: 1.34
  - Result: reported results
  source text: today reported net income for the three months ended September 30, 2022 was $83.4 million or $1.34 diluted earnings per common share
  evidence_url: https://www.sec.gov/Archives/edgar/data/315709/000155837022016191/0001558370-22-016191-index.htm

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