IBOC INTERNATIONAL BANCSHARES CORP
FY2025 10-K
INTERNATIONAL BANCSHARES CORP (IBOC) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
Financial SummaryXBRL
Revenue
$886M
Net Income
$412M
Net Margin
46.5%
ROE
12.7%
Total Assets
$16.6B
EPS (Diluted)
$6.62
Operating Cash Flow
$491M
Source: XBRL data from INTERNATIONAL BANCSHARES CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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