International Bancshares Corp
ibc.comWhat Do They Do?
Accepts deposits, makes loans and offers banking services to businesses, consumers and international customers in Texas and Oklahoma.
10-K for FY2025, filed Feb 26, 2026We are a registered multibank financial holding company providing a diversified range of commercial and retail banking services in our main…View ↗
Our Subsidiary Banks have historically focused on providing commercial banking services to small- and medium-sized businesses located in…View ↗
Through the Subsidiary Banks, we are engaged in the business of accepting checking and savings deposits and the making of commercial, real…View ↗
How Do They Make Money?
It earns most of its income from the difference between interest earned on loans and investments and interest paid on deposits, and also collects fees for banking products and services.
10-K for FY2025, filed Feb 26, 2026We are headquartered in Laredo, Texas, with 166 facilities and 247 ATMs, providing banking services for commercial, consumer, and…View ↗
$886.3M
-
10-K for FY2025, filed Feb 26, 2026
$886.3M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
Sold outright
|
52%
FY2022: 53%
|
Service charges on deposit accounts, FY2025
$74.3M Sources
|
Sold outright |
|
Other service charges, commissions and fees, Banking
Sold outright
|
41%
FY2022: 40%
|
Other service charges, commissions and fees, Banking, FY2025
$59M Sources
|
Sold outright |
|
Other service charges, commissions and fees, Non-banking
Sold outright
|
7.3%
FY2022: 6.3%
|
Other service charges, commissions and fees, Non-banking, FY2025
$10.5M Sources
|
Sold outright |
Who Are Their Customers?
Commercial, consumer and international customers use its subsidiary banks for deposits, loans and related services across Texas and Oklahoma.
10-K for FY2025, filed Feb 26, 2026We are headquartered in Laredo, Texas, with 166 facilities and 247 ATMs, providing banking services for commercial, consumer, and…View ↗
Our Subsidiary Banks have historically focused on providing commercial banking services to small- and medium-sized businesses located in…View ↗
Through the Subsidiary Banks, we are engaged in the business of accepting checking and savings deposits and the making of commercial, real…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 47 cents of every revenue dollar as net income in FY2025 and turned 53 cents into free cash flow.
10-K for FY2025, filed Feb 26, 2026
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 2.2x in 4 years, from $398.1M in FY2021 to $886.3M in FY2025, about 22% a year.
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