IBOC INTERNATIONAL BANCSHARES CORP

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: diversified commercial and retail banking focused on Texas and Oklahoma markets with strong cross-border banking with Mexico
• • Emphasis increased on consumer and retail banking, including mortgage lending, and expansion of branches in retail locations and shopping malls
• • Deposit base from Mexican-domiciled customers grew to 32% of total deposits in 2025, up from 29% in 2023, highlighting reliance on cross-border deposits
• • Workforce approximately 2,319 employees at year-end 2025 with 66% of officer management having 15+ years tenure, reflecting strong employee retention and culture
• • Key regulatory update: transition from LIBOR completed in 2023 with no adverse impact; ongoing compliance with new Anti-Money Laundering Act (AMLA) and evolving CTA reporting rules

Risk Factors

• • Regulatory risk: Adoption of ASU 2016-13 (CECL methodology) increased allowance for loan losses, impacting retained earnings and ongoing credit loss estimates
• • Macroeconomic threat: Exposure to declining real estate values in Texas and Oklahoma markets could impair collateral value in loan portfolio
• • Operational risk: Dependence on external vendors for critical information systems heightens risk of security breaches and operational disruptions
• • Competitive risk: Growth of fintechs and blockchain-based financial products may reduce demand for traditional banking and deposit accounts
• • Financial risk: Heavy reliance on dividends from Subsidiary Banks for holding company revenue subject to regulatory dividend restrictions

What are the latest IBOC SEC filings in 2026?

INTERNATIONAL BANCSHARES CORP (IBOC) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 3, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did IBOC file its most recent 10-K annual report?

INTERNATIONAL BANCSHARES CORP (IBOC) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view IBOC 10-Q quarterly reports?

INTERNATIONAL BANCSHARES CORP (IBOC)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every IBOC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has IBOC filed recently?

INTERNATIONAL BANCSHARES CORP (IBOC)'s most recent 8-K was filed on August 3, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find IBOC insider trading activity (Form 4)?

SignalX aggregates every IBOC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does IBOC file with the SEC?

INTERNATIONAL BANCSHARES CORP (IBOC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new IBOC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for INTERNATIONAL BANCSHARES CORP (IBOC).

What is IBOC's SEC CIK number?

INTERNATIONAL BANCSHARES CORP (IBOC)'s SEC CIK (Central Index Key) number is 315709. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 315709 to look up all IBOC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find IBOC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from INTERNATIONAL BANCSHARES CORP (IBOC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.