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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.Q2 2025 earnings summary7 Aug, 2025
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.
How are deposit rate increases being managed?
Elaborate on new initiatives for future growth.
Explain the decrease in credit loss expense.
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Next International Bancshares earnings date
Q3 20254 Nov, 2025
Next International Bancshares earnings date
Q3 20254 Nov, 2025
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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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