International Bancshares posts Q1 2026 profit rise

International Bancshares Corporation reported higher earnings for the first quarter of 2026.

Rhea-AI Filing Summary

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.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income Q1 2026: $102.2 million Net income Q1 2025: $96.9 million Diluted EPS Q1 2026: $1.64 per share +5 more

8 metrics

Net income Q1 2026 $102.2 million Three months ended March 31, 2026

Net income Q1 2025 $96.9 million Three months ended March 31, 2025 comparison

Diluted EPS Q1 2026 $1.64 per share Three months ended March 31, 2026

Diluted EPS Q1 2025 $1.56 per share Three months ended March 31, 2025 comparison

Net income growth 5.5% Increase in net income over Q1 2025

Diluted EPS growth 5.1% Increase in diluted EPS over Q1 2025

Total assets $16.8 billion Approximately, as of March 31, 2026

Total net loans and deposits $9.5B loans, $12.6B deposits Approximately, as of March 31, 2026

Key Terms

diluted earnings per common share, net interest income, redistribution in rates paid on deposits, AI initiatives, +2 more

6 terms

diluted earnings per common share financial

"reported net income ... of $102.2 million or $1.64 diluted earnings per common share"

Diluted earnings per common share measures a company’s profit allocated to each share assuming all potential shares that could be created — like employee stock options, warrants, or convertible debt — are exercised or converted. Think of a pie split among current and possible future diners: it shows a more conservative slice size each shareholder would get if all claims became shares, helping investors compare profitability on a worst‑case dilution basis.

net interest income financial

"Net interest income was affected by a decrease in interest expense"

Net interest income is the difference between the interest a financial institution earns on loans and investments and the interest it pays on deposits and borrowings. It matters to investors because it is a primary source of profit for banks and similar firms — like the gross margin on a store’s trade — and changes with loan growth, deposit costs and interest rates, so it signals core earning power and sensitivity to rate moves.

redistribution in rates paid on deposits financial

"primarily driven by a redistribution in rates paid on deposits"

AI initiatives technical

"evaluating processes for efficiencies across our organization using, among other things, AI initiatives"

Safe Harbor statement regulatory

"“Safe Harbor” statement under the Private Securities Litigation Reform Act of 1995"

A safe harbor statement is a disclaimer that companies include in their public disclosures to limit legal liability if future results differ from what was forecasted or expected. It acts like a protective shield, helping companies avoid lawsuits if their predictions don’t come true, and gives investors a clearer understanding that certain statements are forward-looking and involve risks.

forward looking information regulatory

"contain forward looking information with respect to plans, projections or future performance"

Earnings Snapshot

Net income: $102.2 million

Q1 2026

Net income $102.2 million 5.5% YoY

Diluted EPS $1.64 5.1% YoY

Total assets $16.8 billion

Total net loans $9.5 billion

Deposits $12.6 billion

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How did International Bancshares (IBOC) perform in Q1 2026?

International Bancshares reported Q1 2026 net income of $102.2 million, up from $96.9 million a year earlier. Diluted earnings per share rose to $1.64 from $1.56, reflecting 5.5% net income growth and 5.1% EPS growth over Q1 2025.

What drove International Bancshares Corporation’s earnings growth in early 2026?

Earnings growth was mainly driven by interest earned on investment and loan portfolios, supported by portfolio growth and the current rate environment. A decrease in interest expense, primarily from redistributing rates paid on deposits, also supported higher net interest income in Q1 2026.

What were International Bancshares (IBOC) assets, loans, and deposits at March 31, 2026?

At March 31, 2026, International Bancshares reported total assets of approximately $16.8 billion, total net loans of about $9.5 billion, and deposits of roughly $12.6 billion. Each of these balances increased modestly compared with December 31, 2025 levels.

How did International Bancshares’ Q1 2026 earnings per share compare to 2025?

Diluted earnings per common share in Q1 2026 were $1.64, compared with $1.56 in Q1 2025. This represents a 5.1% increase in diluted EPS, matching the growth in basic earnings per share over the same period.

What strategic focus did International Bancshares highlight with its Q1 2026 results?

Management emphasized consistent, industry-leading financial results, along with focus on balance sheet, asset, liability and liquidity management. The company also highlighted strong cost controls and efforts to improve efficiencies across the organization, including exploring AI initiatives to support operations.

Where can investors find more details on International Bancshares’ Q1 2026 results?

Details are available in the company’s news release dated May 7, 2026, filed as Exhibit 99 to its current report. The release outlines net income, earnings per share, balance sheet figures, and commentary on interest income, deposit costs, and operating priorities.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 05/07/2026 - 11:26 AM EDT Learn about SEC filing dates

0000315709false00003157092026-05-072026-05-07

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 or 15 (d) of The Securities Exchange Act of 1934

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Date of Report (Date of earliest event reported): May 7, 2026

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INTERNATIONAL BANCSHARES CORPORATION

(Exact name of registrant as specified in its charter)

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Texas	​	000-9439	​	74-2157138
(State or other jurisdiction	​	(Commission File	​	(IRS Employer
of incorporation)	​	Number)	​	Identification No.)

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​	1200 San Bernardo, Laredo, Texas	​	78040-1359	​
​	(Address of principal executive offices)	​	(Zip Code)	​

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Registrant's telephone number, including area code (956) 722-7611

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None

(Former name or former address, if changed since last report)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.below):

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☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4 (c ) under the Exchange Act (17 CFR 240.13e-4 (c))

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company ☐

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Title of Each Class:	​	Trading Symbol (s):	​	Name of each exchange on which registered:	​
Common Stock, $1.00 par value	​	IBOC	​	The Nasdaq Stock Market	​

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Item 2.02          Results of Operations and Financial Condition.

On May 7, 2026, International Bancshares Corporation issued a news release announcing net income for the three months ended March 31, 2026.  The news release, attached hereto and filed herewith as Exhibit 99, is incorporated by reference.

All of the information furnished in Item 2.02 of this report, including the accompanying exhibits, is also intended to be included under “Item 7.01 – Regulation Fair Disclosure” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, is not subject to the liabilities of that section and shall not be incorporated by reference in any filing under the Securities Act of 1933, as amended.

Item 9.01          Financial Statements and Exhibits

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EXHIBIT INDEX

Exhibit Number	​ ​ ​	Description
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99	​	News Release of International Bancshares Corporation dated May 7, 2026
104	​	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​	INTERNATIONAL BANCSHARES CORPORATION
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​	By:	/s/ Dennis E. Nixon
​	​	DENNIS E. NIXON, President
​	​	and Chief Executive Officer

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Date: May 7, 2026

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EXHIBIT 99

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Contact:		Judith Wawroski, Chief Financial Officer
		International Bancshares Corporation
		(956) 722-7611

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FOR IMMEDIATE RELEASE:

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IBC Reports Strong Earnings for the First Quarter of 2026

LAREDO, Texas—(BUSINESS WIRE)— May 7, 2026—International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended March 31, 2026 of $102.2 million or $1.64 diluted earnings per common share ($1.64 per share basic) compared to $96.9 million or $1.56 diluted earnings per common share ($1.56 per share basic), which represents an increase of 5.5% in net income and 5.1% in diluted earnings per share over the corresponding period of 2025.  

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Net income for the first quarter of 2026 continued to be positively affected by interest earned on our investment and loan portfolios driven primarily by both an increase in the size of those portfolios and the current rate environment. Net interest income was affected by a decrease in interest expense, primarily driven by a redistribution in rates paid on deposits. We continue to closely monitor rates paid on deposits to remain competitive to grow and retain deposits.

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“We are pleased with the consistency and sustainability of our industry-leading financial results in the first quarter of 2026. As we move through the rest of 2026, we will remain focused and vigilant on delivering superior customer service, continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, strong cost controls, and evaluating processes for efficiencies across our organization using, among other things, AI initiatives.  We believe that with continued focus on these established and long-standing practices, we will continue to deliver industry-leading financial results,” said Dennis E. Nixon, President and CEO.  

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Total assets at March 31, 2026, were approximately $16.8 billion compared to approximately $16.6 billion at December 31, 2025. Total net loans were approximately $9.5 billion at March 31, 2026, compared to approximately $9.3 billion at December 31, 2025. Deposits were approximately $12.6 billion at March 31, 2026, compared to approximately $12.4 billion at December 31, 2025.

IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 165 facilities and 247 ATMs serving 75 communities in Texas and Oklahoma.

“Safe Harbor” statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC’s filings with the Securities and Exchange Commission.

Copies of IBC’s SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml.

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99 EX-99 13.5 KB

Other Documents

• EX-101 EX-101.SCH 2.6 KB
• EX-101 EX-101.LAB 14.9 KB
• EX-101 EX-101.PRE 9.8 KB