International Bancshares (IBOC) Q4 2025 earnings summary

Executive summary

• Reported annual net income for 2025 of $412.3 million, up 0.8% year-over-year.

• Diluted EPS for 2025 was $6.62, a 0.8% increase from 2024.

• Q4 2025 net income was $106.9 million, down 7.1% from Q4 2024.

• Q4 2025 diluted EPS was $1.71, a 7.6% decrease year-over-year.

Financial highlights

• Total assets at year-end 2025 were $16.6 billion, up from $15.7 billion at year-end 2024.

• Net loans grew to $9.3 billion from $8.7 billion year-over-year.

• Deposits increased to $12.4 billion from $12.1 billion at the end of 2024.

• Interest income rose due to larger investment and loan portfolios and higher rates.

• Net interest income was pressured by higher deposit interest expenses.

Outlook and guidance

• Focus remains on balance sheet, asset, liability, and liquidity management.

• Continued emphasis on cost controls and process efficiencies, including new AI initiatives.

• Management expects to maintain industry-leading financial results into 2026.