---
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"
generated_at: "2026-05-22T19:38:21.427817+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# IBC Q1 net income $96.9M, EPS flat at $1.56, assets grow to $16.3B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-006265
- JSON: https://secwatch.observer/filing/0001558370-25-006265.json
- Plain text: https://secwatch.observer/filing/0001558370-25-006265.txt

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