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International Bancshares (IBOC) investor relations material
International Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income for Q3 2025 increased 8.6% year-over-year to $108.4 million, with diluted EPS of $1.74, up 8.8% year-over-year; nine-month net income rose to $305.4 million, a 3.9% increase, and EPS reached $4.91, up 4.0% year-over-year.
Earnings growth was driven by higher interest income from investment and loan portfolios, partially offset by increased non-interest expenses and deposit costs.
Financial highlights
Total assets grew to $16.6 billion as of September 30, 2025, up 5.2% from year-end 2024; net loans increased to $9.25 billion, and deposits rose to $12.5 billion.
Net interest income for Q3 2025 was $172.2 million, up 2.6% year-over-year; nine-month net interest income reached $500.9 million, a 1.0% increase.
Provision for credit losses dropped 78.8% in Q3 and 68.5% for the nine months, reflecting the absence of large charge-offs seen in 2024.
Non-interest income rose 4.6% in Q3 but declined 4.7% for the nine months due to merchant banking investment losses.
Non-interest expense increased 4.7% in Q3 and 5.2% for the nine months, mainly from higher employee compensation and inflationary pressures.
Outlook and guidance
Management remains focused on deposit pricing, expense control, and balance sheet management to support profitability amid economic uncertainty.
New AI initiatives are being implemented to drive efficiencies and maintain industry-leading results.
Capital levels are expected to remain well above regulatory minimums, with ongoing focus on asset quality and risk management.
Q3 vs 9M EPS growth divergence?
Impact of Fed rate decrease on deposit strategy?
Detail new AI initiatives and expected impact
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Next International Bancshares earnings date
Q4 202523 Feb, 2026
Next International Bancshares earnings date
Q4 202523 Feb, 2026
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Frequently asked questions
International Bancshares Corporation (IBOC) is a financial holding company that operates through its primary subsidiary, IBC Bank. The company provides a range of banking services, including commercial and retail banking, through its network of branches across Texas and Oklahoma. Its offerings include traditional deposit products, commercial and consumer loans, mortgage services, and various treasury management services tailored to meet the needs of both individual and business clients. The company also provides international banking services, including foreign exchange and trade finance. International Bancshares Corporation serves a diverse clientele, ranging from individuals to small and medium-sized businesses. The company is headquartered in Laredo, Texas, and its shares are listed on the NASDAQ.
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