International Bancshares 2025 EPS Rises 0.8%, Q4 Earnings Drop 7.1%
International Bancshares Corporation reported annual net income of $412.3 million in 2025 with diluted EPS of $6.62, a 0.8% year-over-year increase. Fourth-quarter net income fell 7.1% to $106.9 million with EPS down to $1.71, while total assets grew to $16.6 billion and net loans rose to $9.3 billion.
1. Annual 2025 Results
International Bancshares Corporation generated net income of $412.3 million in 2025, equating to diluted earnings per share of $6.62 compared to $6.57 in 2024. This 0.8% increase was driven by higher interest income from expanded loan and investment portfolios, partially offset by rising deposit funding costs.
2. Q4 2025 Performance
For the quarter ended December 31, 2025, net income declined 7.1% to $106.9 million, with diluted EPS of $1.71 down 7.6% from $1.85. The sequential drop reflected increased interest expense on deposits as the company adjusted rates to remain competitive.
3. Balance Sheet Growth
Total assets reached $16.6 billion at year-end, up from $15.7 billion a year earlier. Net loans climbed to $9.3 billion from $8.7 billion, and deposits expanded to $12.4 billion versus $12.1 billion, underscoring continued portfolio and deposit base growth.
4. Management Outlook
Leadership emphasized continued focus on balance sheet management, cost controls and customer service while exploring AI initiatives for operational efficiencies. The company aims to sustain industry-leading results through disciplined asset, liability and liquidity practices in 2026.