International Bancshares Corporation reported 2025 annual results that show modest growth, with net income rising to $412.3 million, a 0.8 percent increase from $409.2 million in 2024. Diluted earnings per share climbed to $6.62 from $6.57, while basic EPS increased to $6.63 from $6.58, reflecting steady profitability across the year.
The company’s balance sheet expanded, with total assets reaching $16.6 billion, up from $15.7 billion, and net loans growing to $9.3 billion from $8.7 billion. Deposits increased to $12.4 billion, a modest rise from $12.1 billion. The growth in investment and loan portfolios drove higher interest income, but the rise in deposit rates added to interest expense, tempering net interest income gains.
Quarterly results for the third quarter ended December 31, 2025 showed net income of $106.9 million and diluted EPS of $1.71, down 7.1 percent from the same period in 2024. Diluted EPS fell 7.6 percent year‑over‑year, a decline attributed to higher deposit rates that pressured net interest income. Management noted that deposit pricing will be closely monitored to retain and grow the deposit base.
International Bancshares also announced a 4.3 percent increase in its cash dividend, raising the payment to $0.73 per share payable on February 27, 2026. The dividend hike reflects the company’s strong capital position and confidence in continued financial performance.
"We are extremely pleased and proud to continue our industry‑leading financial results in 2025, which has kept us at the top of the rankings compared to other publicly held bank holding companies in America. As we move into 2026, we will remain 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," said Dennis E. Nixon, president and CEO. "We believe that with continued focus on these established practices we will continue to deliver industry‑leading financial results," he added.
The company’s performance aligns with a broader industry trend of strong earnings in Q4 2025, as reported by the FDIC. While the banking sector enjoyed accelerated loan growth and robust domestic deposit growth, community banks faced higher non‑interest expense and securities losses. IBOC’s steady growth in assets, loans, and deposits demonstrates resilience amid these headwinds, and its management’s focus on disciplined cost control and liquidity management positions the bank to navigate ongoing interest‑rate volatility.
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