The International Bancshares Corporation (NASDAQ: IBOC) SEC filings page provides access to the company’s regulatory disclosures as a Texas-incorporated, multi-bank financial holding company. As a registrant under the Securities Exchange Act of 1934, International Bancshares Corporation files reports and current reports with the Securities and Exchange Commission, and its common stock is registered for trading on The Nasdaq Stock Market under the symbol IBOC.
Among the key documents available are Form 8-K current reports, which the company uses to furnish earnings releases and other material events. Recent 8-K filings include items under Results of Operations and Financial Condition, where International Bancshares Corporation incorporates by reference news releases announcing net income and diluted earnings per share for quarterly and year-to-date periods. Other 8-K filings disclose actions by the board of directors, such as the declaration of cash dividends on common stock and amendments to the company’s bylaws.
Investors can also review filings that address corporate governance and legal framework. One Form 8-K describes Second Amended and Restated By-Laws that set ownership thresholds for shareholders to bring derivative proceedings, designate specific courts in Texas as exclusive forums for certain internal entity claims, and provide for waivers of jury trial rights in specified actions, to the fullest extent permitted by law.
Through this page, users can follow how International Bancshares Corporation reports its financial results, capital actions, and governance changes to regulators. AI-powered tools on the platform can help summarize lengthy filings, highlight key items such as earnings disclosures and bylaw amendments, and make it easier to interpret the implications of each document without reading every section in detail.
International Bancshares Corporation generated Q1 2026 net income of $102.2 million, up from $96.9 million a year earlier, with basic and diluted earnings per share of $1.64 versus $1.56.
Total assets increased to $16.8 billion, driven by loan growth to $9.65 billion and deposits to $12.62 billion. The allowance for credit losses was $160.4 million, while non-accrual loans rose to $160.0 million and doubtful collateral-dependent loans reached $159.4 million. Cash and cash equivalents ended the quarter at $585.9 million, supported by positive operating and financing cash flows.
International Bancshares Corporation reported higher earnings for the first quarter of 2026. Net income for the three months ended March 31, 2026 was $102.2 million, or $1.64 per diluted common share, up from $96.9 million, or $1.56 per diluted share, in the same period of 2025. This reflects a 5.5% increase in net income and a 5.1% rise in diluted earnings per share.
The improvement was driven mainly by interest earned on investment and loan portfolios and a decrease in interest expense from changes in rates paid on deposits. As of March 31, 2026, total assets were about $16.8 billion, total net loans were about $9.5 billion, and deposits were about $12.6 billion.
Vanguard Portfolio Management reported beneficial ownership of 3,428,434 shares of International Bancshares Corp common stock, representing 5.51% of the class as of 03/31/2026. The filing shows sole dispositive power over 3,428,434 shares and sole voting power over 26,825 shares. The Schedule 13G filing identifies Vanguard Portfolio Management LLC and specified affiliates as the reporting persons and is signed on 04/29/2026.
International Bancshares Corporation will hold its 2026 annual shareholder meeting on May 18, 2026 in Laredo, Texas. Shareholders will vote on electing eight directors, ratifying RSM US LLP as auditor for 2026, and approving a non-binding advisory resolution on executive compensation.
Holders of 62,179,994 shares of Common Stock as of April 1, 2026 are entitled to one vote per share. The Board highlights its majority-independent structure, active committees, and expanded ESG oversight, and outlines an executive pay program combining salary, profit sharing, performance-based cash incentives and stock appreciation rights.
The Vanguard Group filed Amendment No. 12 to Schedule 13G/A reporting 0 shares beneficially owned of International Bancshares Corp common stock and 0% ownership as of the filing. The amendment notes an internal realignment on January 12, 2026 that disaggregated certain subsidiaries, and states those subsidiaries now report separately under SEC Release No. 34-39538.
International Bancshares Corporation is a Texas-based multibank financial holding company serving 75 communities through 166 facilities and 247 ATMs across Texas and Oklahoma. It offers commercial and retail banking, international trade finance, foreign exchange, and consumer services including online and mobile banking.
The company emphasizes long-tenured management, with about 2,126 full-time employees and strong internal training and compensation programs. Cross‑border business is significant, with deposits from customers domiciled in Mexico representing about 32% of subsidiary bank deposits for the year ended December 31, 2025. Capital levels are high, with a holding‑company leverage ratio of 19.86% as of December 31, 2025 and all subsidiary banks classified as well capitalized.
As of June 30, 2025, voting stock held by non‑affiliates had an aggregate market value of $4,136,750,000, and as of February 23, 2026 there were 62,177,719 common shares outstanding. The filing also describes an extensive regulatory environment, including Basel III capital rules, anti‑money‑laundering requirements, evolving CRA, CFPB, cybersecurity, AI policy developments, and FDIC insurance assessments that influence operations and compliance costs.
International Bancshares Corporation reported 2025 net income of approximately $412.3 million, or $6.62 diluted earnings per share, up about 0.8% from 2024. Basic earnings per share were $6.63.
For the fourth quarter of 2025, net income was approximately $106.9 million, or $1.71 diluted earnings per share, down about 7.1% and 7.6%, respectively, from the same quarter of 2024. Results benefited from higher interest income on larger investment and loan portfolios in a higher-rate environment, partly offset by increased interest expense from higher deposit rates.
At December 31, 2025, total assets were about $16.6 billion, total net loans about $9.3 billion, and deposits about $12.4 billion, all modestly higher than a year earlier. Management highlighted a continued focus on balance sheet discipline, cost control, and new AI initiatives to drive efficiency.
American Century Investment Management, American Century Companies, and the Stowers Institute for Medical Research jointly report beneficial ownership of 3,198,405 shares of International Bancshares Corporation common stock, representing 5.2% of the outstanding class as of 12/31/2025.
The reporting persons have sole voting power over 3,147,327 shares and sole dispositive power over 3,198,405 shares, with no shared voting or dispositive power. The shares are held in the ordinary course of business for various investment company clients and institutional accounts advised by American Century, and the filers state they were not acquired to change or influence control of International Bancshares.
International Bancshares Corp. officer exercises stock options for additional shares
On 02/06/2026, Judith I. Wawroski, Treasurer/PAO of International Bancshares Corp. (IBOC), exercised employee stock options for a total of 1,175 shares of common stock, consisting of 875 shares at $38.30 per share and 300 shares at $16.84 per share. Following these transactions, she directly owns 12,347 shares of International Bancshares common stock.