)

International Bancshares (IBOC) investor relations material
International Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 rose 3.3% year-over-year to $100.1 million, with six-month net income up 1.4% to $197.0 million, driven by higher interest income and lower credit loss provisions, partially offset by increased non-interest expenses and deposit costs.
Diluted EPS was $1.61 for Q2 2025 and $3.16 for the first half, both showing modest growth over 2024.
The company remains focused on cost control, efficiency, and maintaining a strong capital position amid economic uncertainty and competitive deposit markets.
Financial highlights
Total assets increased to $16.5 billion as of June 30, 2025, with net loans up to $9.0 billion and deposits up to $12.5 billion from year-end 2024.
Net interest income for Q2 2025 grew 2.0% year-over-year to $167.5 million; six-month net interest income was up 0.3% to $328.7 million.
Provision for credit losses dropped 49.9% in Q2 and 64.5% for the six months, reflecting lower charge-offs and improved credit quality.
Non-interest income declined 6.6% in Q2 and 9.4% for the six months, mainly due to losses on merchant banking investments.
Non-interest expense increased 5.0% in Q2 and 5.4% for the six months, primarily from higher employee compensation and inflationary pressures.
Outlook and guidance
Management expects continued focus on deposit retention, cost control, and efficiency amid ongoing economic uncertainty and competitive pressures.
No material impact is expected from recent federal tax law changes enacted in July 2025.
Next International Bancshares earnings date

Next International Bancshares earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage