Welcome to our dedicated page for International Bancshares SEC filings (Ticker: IBOC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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.
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.
International Bancshares Corporation is increasing cash returns to shareholders with a new semi-annual dividend. The Board approved a $0.73 per share cash dividend on Common Stock, a 4.3% increase from the prior cash dividend.
Shareholders of record as of the close of business on February 13, 2026 will receive the dividend, which is payable on February 27, 2026. The decision was approved by the Board on January 30, 2026 and announced via a news release incorporated as an exhibit.
International Bancshares Corporation reported Q3 2025 results with net income of $108,375,000 and diluted EPS of $1.74, up from $1.60 a year ago. Net interest income was $172,231,000 as interest expense held roughly flat year over year, and credit loss expense declined to $1,827,000 from $8,602,000.
Total assets reached $16,551,421,000, driven by loan growth to $9,400,969,000. Deposits were $12,455,690,000 with time deposits at $3,133,717,000. Shareholders’ equity rose to $3,127,808,000 as accumulated other comprehensive loss improved to $(263,089,000) from $(379,054,000) at year-end, reflecting stronger unrealized securities marks.
Non-interest income was $45,851,000, while non-interest expense was $79,763,000. The company declared dividends payable of $0.70 per share during the quarter. Shares outstanding were 62,163,887 as of November 3, 2025.
International Bancshares Corporation filed a current report to note that on November 6, 2025 it issued a news release announcing its net income for the three and nine months ended September 30, 2025. The company states that this news release is furnished as an exhibit and is also intended to be treated as information under Regulation Fair Disclosure rather than as material that is legally “filed” under the securities laws.
Dimensional Fund Advisors LP reports beneficial ownership of 3,206,231 shares of International Bancshares Corp common stock, representing 5.2% of the class. Dimensional disclaims beneficial ownership and states the shares are owned by multiple funds for which it acts as investment adviser, manager or sub‑adviser; the filing shows sole voting power over 3,121,918 shares and sole dispositive power over 3,206,231 shares. The disclosure clarifies these holdings are on behalf of pooled vehicles and not held to influence control of the issuer.
Judith I. Wawroski, Treasurer and Director of International Bancshares Corporation (IBOC), reported transactions on 09/05/2025 involving stock appreciation rights (SARs). The filing shows 600 SARs were treated as vested and payable, resulting in a reported simultaneous purchase and sale of 600 shares at a closing price of $71.58 on the exercise date and a deemed acquisition price of $39.33 per share for valuation purposes. The reporting person did not receive any actual shares because the SARs were cash-settled. Following the transactions, the filing lists 11,172 shares beneficially owned and 3,400 SAR-related derivative units remaining.