International Bancshares (NASDAQ: IBOC) reports Q3 2025 net income

Rhea-AI Filing Summary

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.

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, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): November 6, 2025

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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 November 6, 2025, International Bancshares Corporation issued a news release announcing net income for the three and nine months ended September 30, 2025.  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 November 6, 2025
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: November 6, 2025

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FAQ

What did International Bancshares Corporation (IBOC) disclose in this 8-K?

International Bancshares Corporation disclosed that it issued a news release announcing its net income for the three and nine months ended September 30, 2025, and furnished that release as an exhibit.

Which period’s results does IBOC’s news release cover?

The news release covers net income for the three and nine months ended September 30, 2025.

How is the IBOC earnings news release treated for SEC purposes?

The company states that the information in Item 2.02, including the exhibits, is furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.

Which exhibit contains the International Bancshares Corporation (IBOC) net income release?

Exhibit 99 contains the news release of International Bancshares Corporation dated November 6, 2025 that announces the net income results.

Who signed the International Bancshares Corporation (IBOC) 8-K?

The report was signed on behalf of International Bancshares Corporation by Dennis E. Nixon, President and Chief Executive Officer.

On which exchange is International Bancshares Corporation (IBOC) listed?

International Bancshares Corporation’s common stock, $1.00 par value, is listed on The Nasdaq Stock Market under the trading symbol IBOC.