International Bancshares Corporation (NASDAQ: IBOC) is a Texas-based bank holding company that operates five wholly owned subsidiary banks providing commercial, consumer, and retail banking services. Revenue is generated primarily through net interest income on loans and deposits, supplemented by fee-based banking services. The subsidiary banks have historically focused on commercial banking for small- and medium-sized businesses within their trade areas, while also offering select international banking services. In recent years, the banks have expanded emphasis toward consumer and retail banking, including mortgage lending. The company is incorporated in Texas and files annually with the SEC, with its 10-K for fiscal year ended December 31, 2025 filed on February 26, 2026 under accession number 000110465926020439.

Revenue model

Net interest income from loans and deposits held at five wholly owned subsidiary banks, plus fee income from commercial, consumer, retail, and international banking services, including mortgage lending.

Products and services

Commercial banking services for small- and medium-sized businesses, consumer and retail banking, mortgage lending, and select international banking services, all delivered through five wholly owned subsidiary banks.

Customers and end markets

Small- and medium-sized businesses in the subsidiary banks' trade areas, individual consumers and retail banking customers, and customers requiring international banking services.

Value-chain role

Direct lender and deposit-taking institution serving business and consumer customers through owned subsidiary bank branches.

Geographic exposure

Texas-based operations with select international banking services; specific geographic footprint detail not disclosed in the reviewed filing excerpts.

Source: SEC 10-K, filed 2026-02-26

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