INTERNATIONAL BANCSHARES CORP

International Bancshares Corp (ticker IBOC) operates as a State Commercial Bank holding company deeply rooted in Texas banking heritage, with the parent and its subsidiaries delivering deposit, lending and treasury management products to individuals, small businesses and corporate middle-market clients across the region. The firm’s treasury services, community-focused consumer checking/savings accounts, and commercial lending lines form the core of its service offering, reinforced by mortgage, leasing and wealth-advisory options designed to retain customer relationships while steering deposits toward capital-efficient growth. As a bank holding company dictated by the traditional state commercial banking model, IBOC balances organic expansion with compliance to federal and state banking regulators and the Federal Reserve, exposing the franchise to interest-rate volatility, credit losses, and heightened capital-and-liquidity scrutiny; these material risks intensified during the economic dislocations referenced in the latest Form 10-Q filed Nov 1999. CIK 315709 anchors this history while reminding investors that the bank’s reputation rides on disciplined underwriting and regulatory responsiveness. View live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025