IBOCNasdaq

INTERNATIONAL BANCSHARES CORP

State Commercial Banks · TX · CIK 315709

Provides commercial and retail banking services through its Texas and Oklahoma subsidiary banks

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$4.76B

Market cap

$76.14

Last close

-2.2%

+1.4%

497K

Volume

Price · last 39 sessions+7.1%

May 4L $70.83 · H $77.82Jun 29

457

Total filings

May 20, 2026

Last filing

12/31

Fiscal year end

All 8-K · 278 10-Q · 94 DEF 14A · 32 10-K · 26 DEFA14A · 14 SC 13G · 7 8-K/A · 3 425 · 2

What Changed

Risk factors · Feb 27, 2025 → Feb 26, 2026

8 added · 7 removed between the two most recent 10-Ks. The risks a company starts — or stops — disclosing are often the story.

Newly disclosed

Furthermore, if BaaS models continue to be more widely utilized by fintech companies to allow non-bank entities to expand into financial-service offerings, the need for traditional banking institutions may be reduced, which could cause us to experience a decline in customer acquisition and retention and increased pricing pressure in the financial-services industry.
Furthermore, our revenue and profitability could be negatively impacted by the costs associated with enhancing our existing systems, upgrading our existing technologies and product offerings, and integrating AI tools into our business and operational structure. 27 Table of Contents The development, adoption, and integration of AI in our banking services, processes, and products may subject us to increased technological risks, costs, uncertainties, and unpredictable outcomes while increasing our compliance costs and exposing us to new operational challenges.
Further signaling support for digital assets and cryptocurrency markets, on March 6, 2025, President Trump issued an executive order entitled Establishing of the Strategic Bitcoin Reserve and United States Digital Asset Stockpile, directing the Department of the Treasury to establish a Strategic Bitcoin Reserve and a federal stockpile of other digital assets held by the U.S. government.
An impairment in the carrying value of our goodwill could negatively impact our earnings and capital.
Our information systems may experience an interruption or breach in security.
The Federal Reserve declined to implement additional rate cuts in January 2026.
Nixon and the loss of his services could have a material adverse effect on our business and prospects.
We may be adversely affected by declining crude oil prices.

No longer disclosed

Furthermore, our revenue and profitability could be negatively impacted by the costs associated with enhancing our 26 Table of Contents existing systems, upgrading our existing technologies and product offerings, and integrating AI tools into our business and operational structure.
The development, adoption, and integration of AI in our banking services, processes, and products may subject us to increased technological risks, costs, uncertainties, and unpredictable outcomes while increasing our compliance costs and exposing us to new operational challenges.
Nixon and the loss of his services could have a material adverse effect on our business and prospects. 28 Table of Contents Our information systems may experience an interruption or breach in security.
The Federal Reserve declined to implement additional rate cuts in January 2025 and tempered rate-cut expectations by lowering the projected number of rate cuts anticipated in 2025 from four to two rate cuts.
We depend on the accuracy and completeness of information about customers and counterparties as well as the soundness of other financial institutions.
Macroeconomic conditions could have a material adverse effect on our business, results of operations, and financial condition.
Our controls and procedures may fail or be circumvented.

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