Form 8-K
8-K — INTERNATIONAL BANCSHARES CORP
Accession: 0001104659-26-091874
Filed: 2026-08-06
Period: 2026-08-06
CIK: 0000315709
SIC: 6022 (STATE COMMERCIAL BANKS)
Item: Results of Operations and Financial Condition
Item: Financial Statements and Exhibits
Documents
8-K — iboc-20260806x8k.htm (Primary)
EX-99 (iboc-20260806xex99.htm)
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8-K
8-K (Primary)
Filename: iboc-20260806x8k.htm · Sequence: 1
INTERNATIONAL BANCSHARES CORPORATION_August 6, 2026
0000315709false00003157092026-08-062026-08-06
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): August 6, 2026
INTERNATIONAL BANCSHARES CORPORATION
(Exact name of registrant as specified in its charter)
-
Texas
000-9439
74-2157138
(State or other jurisdiction
(Commission File
(IRS Employer
of incorporation)
Number)
Identification No.)
1200 San Bernardo, Laredo, Texas
78040-1359
(Address of principal executive offices)
(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. ☐
Title of Each Class:
Trading Symbol (s):
Name of each exchange on which registered:
Common Stock, $1.00 par value
IBOC
The Nasdaq Stock Market
Item 2.02 Results of Operations and Financial Condition.
On August 6, 2026, International Bancshares Corporation issued a news release announcing net income for the three and six months ended June 30, 2026. 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 Financial Statements and Exhibits
EXHIBIT INDEX
Exhibit Number
Description
99
News Release of International Bancshares Corporation dated August 6, 2026
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
2
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
By:
/s/ Dennis E. Nixon
DENNIS E. NIXON, President
and Chief Executive Officer
Date: August 6, 2026
3
EX-99
EX-99
Filename: iboc-20260806xex99.htm · Sequence: 2
EXHIBIT 99
Contact:
Judith Wawroski,
Chief Financial Officer
International Bancshares Corporation
(956) 722-7611
FOR IMMEDIATE RELEASE:
IBC Reports Strong Earnings for the First Six Months of 2026
LAREDO, Texas—(BUSINESS WIRE)— August 6, 2026—International Bancshares Corporation (NASDAQ:IBOC), one of the largest independent bank holding companies in Texas, today reported net income for the six months ended June 30, 2026 of $198.0 million or $3.18 diluted earnings per common share ($3.18 per share basic), compared to $197.0 million or $3.16 diluted earnings per common share ($3.17 per share basic), which represents an increase of 0.5% in net income and 0.6% in diluted earnings per share over the corresponding period of 2025. Net income for the three months ended June 30, 2026 was $95.8 million or $1.54 diluted earnings per common share ($1.54 per share basic) compared to $100.1 million or $1.61 diluted earnings per common share ($1.61 per share basic), which represents a decrease of 4.3% in net income and 4.3% in diluted earnings per share over the corresponding period of 2025.
Net income for the first six months of 2026 continued to be positively affected by interest earned on our investment and loan portfolios driven primarily by both an increase in the size of those portfolios and the current rate environment. Net interest income was also positively affected by a decrease in interest expense, primarily driven by a redistribution in rates paid on deposits. We continue to closely monitor rates paid on deposits to remain competitive to grow and retain deposits. The strong net income reported for 2026 compared to the same period of 2025 was negatively impacted by an increase in our provision for credit loss expense, driven primarily by an increase in the size of our loan portfolio, a change in the level of non-accrual loan balances and the reevaluation of the specific provisions for credit losses related to those loans. Although the provision for credit losses has increased, no actual losses on those loans have been, or may ever be, realized.
“We are pleased with the consistency of our public company industry-leading financial results in the first half of 2026. We have historically been very focused and vigilant on delivering superior customer service, continued execution of our long-standing practices of balance sheet, asset, liability and liquidity management, strong cost controls, and evaluating processes for efficiencies across our organization using, among other things, AI initiatives, and we will continue to do so as we move through the second half of 2026. We know and believe that with continued focus on these established and long-standing practices, we will continue to deliver public company industry-leading financial results,” said Dennis E. Nixon, President and CEO.
Total assets at June 30, 2026, were approximately $17.0 billion compared to approximately $16.6 billion at December 31, 2025. Total net loans were approximately $9.7 billion at June 30, 2026, compared to approximately $9.3 billion at December 31, 2025. Deposits were approximately $12.7 billion at June 30, 2026, compared to approximately $12.4 billion at December 31, 2025.
IBC is a multi-bank financial holding company headquartered in Laredo, Texas, with 165 facilities and 245 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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