{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-001760","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2025-02-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.944942+00:00","generated_at":"2026-05-26T02:40:27.574481+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"IBOC Q4 net income rises 8.2% YoY to $115.1M; full-year EPS $6.57, down 0.8%","bullets":["Full year 2024 net income $409.2M ($6.57 diluted EPS) vs $411.8M ($6.62) in 2023.","Q4 2024 net income $115.1M ($1.85 diluted EPS) vs $106.4M ($1.71) in Q4 2023.","Total assets $15.7B at Dec 31, 2024, up from $15.1B; net loans $8.7B vs $7.9B.","Deposits increased to $12.1B from $11.8B year-over-year.","CEO cites higher interest income from loan and investment portfolios as key driver."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-001760","json":"https://secwatch.observer/filing/0001558370-25-001760.json","markdown":"https://secwatch.observer/filing/0001558370-25-001760.md","text":"https://secwatch.observer/filing/0001558370-25-001760.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837025001760/0001558370-25-001760-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837025001760/iboc-20250227x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T02:40:27.574481+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"}