International Bancshares Corporation (IBOC)

International Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	699.87	681.28	620.05	402.18	359.22
Interest Income on Investments	186.4	184.7	180.11	123.6	38.89
Total Interest Income	886.27	865.98	800.16	525.78	398.1
Interest Paid on Deposits	185.84	178.88	113.5	23.84	15.77
Interest Paid on Borrowings	28.02	30.38	23.17	14.31	11.07
Total Interest Expense	213.85	209.26	136.66	38.16	26.83
Net Interest Income	672.42	656.72	663.5	487.63	371.27
Net Interest Income Growth (YoY)	2.39%	-1.02%	36.07%	31.34%	-4.28%
Gain (Loss) on Sale of Investments	6.91	13.13	9.6	17.54	68.79
Other Non-Interest Income	88.53	90.08	86.41	96.82	87.33
Total Non-Interest Income	169.75	176.92	169.94	187.13	222.33
Non-Interest Income Growth (YoY)	-4.05%	4.11%	-9.19%	-15.83%	47.65%
Revenues Before Loan Losses	842.17	833.64	833.44	674.76	593.6
Provision for Loan Losses	15.09	31.8	34.58	21.65	7.96
Revenue	827.08	801.84	798.87	653.11	585.64
Revenue Growth (YoY)	3.15%	0.37%	22.32%	11.52%	18.77%
Salaries and Employee Benefits	153.34	145.73	134.11	127.27	122.97
Occupancy Expenses	53.05	22.52	21.94	21.82	25.03
Federal Deposit Insurance	7.15	6.87	6.29	6.99	4.39
Selling, General & Administrative	41.5	70.33	65.22	57.25	56.4
Other Non-Interest Expense	49.28	46.37	51.78	57.01	49.45
Total Non-Interest Expense	306.72	293.12	275.35	270.47	263.32
EBT Excluding Unusual Items	520.36	508.72	523.51	382.64	322.33
Pretax Income	520.36	508.72	523.51	382.64	322.33
Income Tax Expense	108.07	99.55	111.74	82.41	68.41
Net Income	412.29	409.17	411.77	300.23	253.92
Net Income to Common	412.29	409.17	411.77	300.23	253.92
Net Income Growth	0.76%	-0.63%	37.15%	18.24%	51.76%
Basic Shares Outstanding	62	62	62	63	63
Diluted Shares Outstanding	62	62	62	63	63
Shares Change (YoY)	-0.07%	0.12%	-0.94%	-1.06%	-0.57%
EPS (Basic)	6.63	6.58	6.63	4.79	4.01
EPS (Diluted)	6.62	6.57	6.62	4.78	4.00
EPS Growth	0.76%	-0.76%	38.49%	19.50%	52.67%
Dividend Per Share	-	1.320	1.260	1.200	1.150
Dividend Growth	-	4.76%	5.00%	4.35%	4.54%
Effective Tax Rate	20.77%	19.57%	21.34%	21.54%	21.22%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q