# EDGAR Filing Document

**Accession Number:** 0000315709
**File Stem:** 0001104659-25-107576
**Filing Date:** 2025-11
**Character Count:** 9235
**Document Hash:** 4a69f281540f38bbabc0de16bdda472d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-107576.hdr.sgml**: 20251106

**ACCESSION NUMBER**: 0001104659-25-107576

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20251106

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251106

**DATE AS OF CHANGE**: 20251106

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** INTERNATIONAL BANCSHARES CORP
- **CENTRAL INDEX KEY:** 0000315709
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 742157138
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-09439
- **FILM NUMBER:** 251457059

**BUSINESS ADDRESS:**
- **STREET 1:** 12OO SAN BERNARDO AVE
- **STREET 2:** PO BOX 1359
- **CITY:** LAREDO
- **STATE:** TX
- **ZIP:** 78040-1359
- **BUSINESS PHONE:** 9567227611

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 1359
- **STREET 2:** 1200 SAN BERNARDO
- **CITY:** LAREDO
- **STATE:** TX
- **ZIP:** 78040

?xml version='1.0' encoding='ASCII'? INTERNATIONAL BANCSHARES CORPORATION_November 6, 2025

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15 (d) of The Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): November 6, 2025

**INTERNATIONAL BANCSHARES CORPORATION**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;-<br>|  |  |
| &nbsp;&nbsp;**Texas** | &nbsp;&nbsp;**000-9439** | &nbsp;&nbsp;**74-2157138** |
| &nbsp;&nbsp;(State or other jurisdiction | &nbsp;&nbsp;(Commission File | &nbsp;&nbsp;(IRS Employer |
| &nbsp;&nbsp;of incorporation) | &nbsp;&nbsp;Number) | &nbsp;&nbsp;Identification No.) |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**1200 San Bernardo, Laredo, Texas** | &nbsp;&nbsp;**78040-1359** |
| &nbsp;&nbsp;(Address of principal executive offices) | &nbsp;&nbsp;(Zip Code) |

---

Registrant's telephone number, including area code **(956) 722-7611**

**None**

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.below):

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4 (c) under the Exchange Act (17 CFR 240.13e-4 (c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Title of Each Class:** | &nbsp;&nbsp;**Trading Symbol (s):** | &nbsp;&nbsp;**Name of each exchange on which registered:** |
| &nbsp;&nbsp;Common Stock, $1.00 par value | &nbsp;&nbsp;IBOC | &nbsp;&nbsp;The Nasdaq Stock Market |

---

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**Item 2.02&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Results of Operations and Financial Condition.**

On November 6, 2025, International Bancshares Corporation issued a news release announcing net income for the three and nine months ended September 30, 2025. The news release, attached hereto and filed herewith as Exhibit 99, is incorporated by reference.

All of the information furnished in Item 2.02 of this report, including the accompanying exhibits, is also intended to be included under "Item 7.01 – Regulation Fair Disclosure" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, is not subject to the liabilities of that section and shall not be incorporated by reference in any filing under the Securities Act of 1933, as amended.

**Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and Exhibits**

**EXHIBIT INDEX**

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| | | |
|:---|:---|:---|
| **Exhibit Number** |  | **Description** |
| 99 |  | [News Release of International Bancshares Corporation dated November 6, 2025](iboc-20251106xex99.htm) |
| 104 |  | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| **INTERNATIONAL BANCSHARES CORPORATION** | **INTERNATIONAL BANCSHARES CORPORATION** |
| By: | /s/ Dennis E. Nixon |
|  | DENNIS E. NIXON, President |
|  | and Chief Executive Officer |

---

Date: November 6, 2025

## Ex-99

#### EXHIBIT 99

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| | |
|:---|:---|
| Contact: | Judith Wawroski,<br>Chief Financial Officer |
|  | International Bancshares Corporation |
|  | (956) 722-7611 |

---

**FOR IMMEDIATE RELEASE:**

**IBC Reports Strong Earnings for the Third Quarter of 2025**

LAREDO, Texas—(BUSINESS WIRE)— November 6, 2025—International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the three months ended September 30, 2025 of **$108.4** million or **$1.74** diluted earnings per common share ($**1.74** per share basic) compared to approximately **$99.8** million or $**1.60** diluted earnings per common share ($**1.60** per share basic), which represents an increase of **8.8%** in diluted earnings per share and an increase of **8.6%** in net income over the corresponding period in 2024. Net income for the nine months ended September 30, 2025 was **$305.4** million or **$4.91** diluted earnings per common share (**$4.91** per share basic) compared to **$294.1** million or **$4.72** diluted earnings per common share (**$4.73** per share basic), which represents an increase of **3.8%** in net income and **4.0%** in diluted earnings per share over the corresponding period of 2024.

Net income for the first nine months of 2025 continues to be positively impacted by an increase in interest income earned on our investment and loan portfolios, as discussed in prior periods. 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. 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. Net income for the first nine months of 2025 was also positively impacted by a decrease in our provision for credit loss expense.

"As we move to the last quarter of 2025, we are extremely pleased and proud to continue our industry-leading financial results. We will remain focused and vigilant on delivering superior customer service, and continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, and strong cost controls. We believe that with continued focus on these established practices supported by new AI initiatives to create efficiencies across our system, we will continue to deliver industry-leading financial results. We believe this focus will continue to keep us at the top of the rankings when compared to other publicly held banks in America," said Dennis E. Nixon, President and CEO.

Total assets at September 30, 2025 were approximately **$16.6** billion compared to approximately **$15.7** billion at December 31, 2024. Total net loans were approximately **$9.2** billion at September 30, 2025 compared to approximately **$8.7** billion at December 31, 2024. Deposits were approximately **$12.5** billion at September 30, 2025 compared to approximately **$12.1** billion at December 31, 2024.

IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 166 facilities and 255 ATMs serving 75 communities in Texas and Oklahoma.

"Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995: The statements contained in this release which are not historical facts contain forward looking information with respect to plans, projections or future performance of IBC and its subsidiaries, the occurrence of which involve certain risks and uncertainties detailed in IBC's filings with the Securities and Exchange Commission.

Copies of IBC's SEC filings and Annual Report (as an exhibit to the 10-K) may be downloaded from the SEC filings site located at http://www.sec.gov/edgar.shtml.

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