{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-006265","form_type":"8-K","ticker":"IBOC","cik":"0000315709","company_name":"INTERNATIONAL BANCSHARES CORP","filed_at":"2025-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.922537+00:00","generated_at":"2026-05-22T19:38:21.427817+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"IBC Q1 net income $96.9M, EPS flat at $1.56, assets grow to $16.3B","bullets":["Net income ~$96.9M, diluted EPS $1.56, essentially flat vs $1.56 in Q1 2024 (net income -0.5%).","Total assets $16.3B (+3.8% from Dec 2024); net loans $8.9B; deposits $12.5B.","Provision for credit loss expense decreased, providing a positive impact to net income.","Net interest income pressured by higher deposit costs; portfolio growth and elevated rates support revenue."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-006265","json":"https://secwatch.observer/filing/0001558370-25-006265.json","markdown":"https://secwatch.observer/filing/0001558370-25-006265.md","text":"https://secwatch.observer/filing/0001558370-25-006265.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/315709/000155837025006265/0001558370-25-006265-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/315709/000155837025006265/iboc-20250505x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T19:38:21.427817+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"}