International Bancshares Corporation (IBOC) SEC Filings & Earnings Calls

Potential reduced liquidity or investor awareness on smaller exchange; regulatory and operational risks.

“Transfer to Texas Stock Exchange may affect trading liquidity.”

Credit quality: provision increased due to non-accrual loans, but no actual losses realized.

“Provision for credit loss expense increased... driven by... change in the level of non-accrual loan balances.”

Credit quality deterioration in commercial real estate

“The change in the level of non-accrual loans can be primarily attributed to a relationship consisting of several loans secured by interests in affordable housing projects that were placed on non-accrual in the second quarter of 2026.” · word for word

Deposit competition remains a focus; rates paid on deposits are monitored closely

“We continue to closely monitor rates paid on deposits to remain competitive to grow and retain deposits.” · word for word

CRE credit risk from multifamily loans

“The increase in Commercial real estate: multifamily loans past due 30 – 59 days at March 31, 2026 can be attributed to a loan secured by a multifamily building.” · word for word

Interest rate risk from securities portfolio

“Gross unrealized losses on available for sale securities $354,390,000 at March 31, 2026.”

CEO succession risk

“The Company has a succession plan for its CEO as well as the chief executive officers of the twelve banking centers of the Company.” · word for word

Concentrated insider ownership

“Officers and directors as a group (10) persons (10) 8,137,493 13.09%” · word for word

Net interest income negatively impacted by rising deposit costs.

“Net interest income has been negatively impacted by an increase in interest expense, primarily driven by increases in rates paid on deposits.” · word for word

Mexican deposit concentration risk

“Deposits from persons and entities domiciled in Mexico comprise a large and stable portion of the deposit base of the Subsidiary Banks. These deposits comprised approximately 32%, 31% and 29% of the Subsidiary Banks’ total deposits for the three years ended December 31, 2025, 2024 and 2023, respectively.” · word for word

Tariff/trade policy impact on cross-border business

“The imposition of tariffs and trade restrictions by the United States on Mexico may weaken the Mexican economy, potentially leading to lower deposit balances or increased withdrawals from our depositors domiciled in Mexico.” · word for word

Regulatory change uncertainty

“Any change in such laws or policies applicable to us and our subsidiaries could have a material adverse effect on our business, financial condition, or results of operations.” · word for word

Commercial real estate concentration risk

“Increasing capitalization rates, elevated office vacancies, an upward trend in apartment vacancies and significant increases in interest rates are all contributing to the elevated risk in large loans.” · word for word

Interest rate risk

“Significant increases in interest rates are all contributing to the elevated risk in large loans.” · word for word

Interest expense pressure from deposit competition

“Net interest income has also continued to be negatively impacted by an increase in interest expense, primarily driven by increases in rates paid on deposits” · word for word

Rate sensitivity from Fed rate cuts

“We continue to closely monitor and adjust rates paid on deposits to remain competitive to grow and retain deposits, especially in light of the recent action by the Federal Reserve Board to decrease interest rates” · word for word