International Bancshares Q3 profit rises to $115M

Quarterly net income rose 5.6% and diluted EPS 5.7% year over year; nine-month increases were 2.3% and 2.2%.

Available on EDGAR 11/05/2026 - 12:27 PM EST Accepted by SEC EDGAR 11/05/2026 - 12:26 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

International Bancshares Corporation (IBOC) reported third-quarter 2026 net income of $114.5 million, up 5.6% from $108.4 million a year earlier; diluted earnings per common share were $1.84, up 5.7% from $1.74.

For the nine months ended September 30, 2026, net income was $312.5 million, up 2.3% from $305.4 million, and diluted earnings per share were $5.02, up 2.2% from $4.91. At September 30, total assets were approximately $17.3 billion, total net loans approximately $9.6 billion, and deposits approximately $12.9 billion. The company said first-nine-month net income was positively affected by interest earned on its investment and loan portfolios, lower interest expense, and earnings from other investments.

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Positive

• Moderate pointThird-quarter net income increased 5.6% year over year.

Negative

• None.

Filing Explained

The filing lists IBOC common stock on the Texas Stock Exchange, and its accompanying release says the company announced the move on October 19; the disclosed listing venue is therefore TXSE, not merely a proposed transfer.

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: $114.5 million Diluted earnings per common share: $1.84 Net income: $312.5 million +4 more

7 metrics

Net income $114.5 million Three months ended September 30, 2026; up 5.6% from $108.4 million in the corresponding 2025 period

Diluted earnings per common share $1.84 Three months ended September 30, 2026; up 5.7% from $1.74 in the corresponding 2025 period

Net income $312.5 million Nine months ended September 30, 2026; up 2.3% from $305.4 million in the corresponding 2025 period

Diluted earnings per common share $5.02 Nine months ended September 30, 2026; up 2.2% from $4.91 in the corresponding 2025 period

Total assets Approximately $17.3 billion At September 30, 2026; approximately $16.6 billion at December 31, 2025

Total net loans Approximately $9.6 billion At September 30, 2026; approximately $9.3 billion at December 31, 2025

Deposits Approximately $12.9 billion At September 30, 2026; approximately $12.4 billion at December 31, 2025

Key Terms

net interest income, diluted earnings per common share, asset, liability and liquidity management

3 terms

net interest income financial

"Net interest income was also positively 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.

diluted earnings per common share financial

"diluted earnings per common share ($1.84 per share basic)"

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.

asset, liability and liquidity management financial

"practices of balance sheet, asset, liability and liquidity management"

Earnings Snapshot

Net income (three months): $114.5 million

Three and nine months ended September 30, 2026

Net income (three months) $114.5 million 5.6% increase over the corresponding 2025 period ($108.4 million)

Diluted earnings per common share (three months) $1.84 5.7% increase over the corresponding 2025 period ($1.74)

Net income (nine months) $312.5 million 2.3% increase over the corresponding 2025 period ($305.4 million)

Diluted earnings per common share (nine months) $5.02 2.2% increase over the corresponding 2025 period ($4.91)

FAQ

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

What were IBOC's third-quarter 2026 earnings?

IBOC reported $114.5 million in net income and $1.84 in diluted earnings per common share for the three months ended September 30, 2026. The corresponding 2025 figures were $108.4 million and $1.74; the reported increases were 5.6% and 5.7%, respectively.

How much did IBOC earn in the first nine months of 2026?

IBOC reported $312.5 million in net income and $5.02 in diluted earnings per common share for the nine months ended September 30, 2026. The corresponding 2025 figures were $305.4 million and $4.91; the reported increases were 2.3% and 2.2%, respectively.

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

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0000315709false00003157092026-11-052026-11-05

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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 5, 2026

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INTERNATIONAL BANCSHARES CORPORATION

(Exact name of registrant as specified in its charter)

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-	​	​	​	​
Texas	​	001-43507	​	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 Texas Stock Exchange	​

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Item 2.02          Results of Operations and Financial Condition.

On November 5, 2026, International Bancshares Corporation issued a news release announcing net income for the three and nine months ended September 30, 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
​	​	​
99	​	News Release of International Bancshares Corporation dated November 5, 2026
104	​	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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2

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

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Date: November 5, 2026

3

EXHIBIT 99

		​
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 Nine Months of 2026

LAREDO, Texas—(BUSINESS WIRE)— November 5, 2026—International Bancshares Corporation (TXSE:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended September 30, 2026 of $114.5 million or $1.84 diluted earnings per common share ($1.84 per share basic) compared to $108.4 million or $1.74 diluted earnings per common share ($1.74 per share basic), which represents an increase of 5.6% in net income and 5.7% in diluted earnings per share over the corresponding period of 2025. Net income for the nine months ended September 30, 2026, was $312.5 million or $5.02 diluted earnings per common share ($5.02 per share basic), compared to $305.4 million or $4.91 diluted earnings per common share ($4.91 per share basic), which represents an increase of 2.3% in net income and 2.2% in diluted earnings per share over the corresponding period of 2025.    

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Net income for the first nine months 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 also positively 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. Net income for the same period was positively impacted on earnings from other investments.

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“As we move to the last quarter of 2026, we continue to be pleased with the consistency of our public company industry-leading financial results. We have historically been very 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, and we will continue to do so as we move through the last quarter of 2026.  We know that with continued focus on these established and long-standing practices, we will continue to deliver public company industry-leading financial results,” said Dennis E. Nixon, President and CEO. “In addition, we were delighted to announce our move to the Texas Stock Exchange (TXSE) on October 19, 2026. Our investment and support in this new exchange marks the beginning of a new partnership. We are delighted to be one of the initial corporate listers on TXSE, bringing more financial services to Texas.”

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Total assets at September 30, 2026, were approximately $17.3 billion compared to approximately $16.6 billion at December 31, 2025. Total net loans were approximately $9.6 billion at September 30, 2026, compared to approximately $9.3 billion at December 31, 2025. Deposits were approximately $12.9 billion at September 30, 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 245 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 15.6 KB

Other Documents

• EX-101 EX-101.SCH 2.6 KB
• EX-101 EX-101.LAB 14.3 KB
• EX-101 EX-101.PRE 9.4 KB