International Bancshares Corporation (IBOC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, International Bancshares Corporation (IBOC) surge como una potencia estratégica, tejiendo un intrincado modelo de negocio que trasciende los servicios financieros tradicionales. Al aprovechar una red robusta en Texas y Oklahoma, IBOC crea una propuesta de valor única que combina infraestructura digital de vanguardia con soluciones bancarias personalizadas y centradas en la comunidad. Este enfoque innovador no solo diferencia al banco en un mercado competitivo, sino que también lo posiciona como un socio financiero fundamental para empresas, individuos y comunidades locales que buscan experiencias financieras integrales y personalizadas.

International Bancshares Corporation (IBOC) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con empresas locales en Texas y Oklahoma

International Bancshares Corporation mantiene asociaciones estratégicas en múltiples redes comerciales locales en Texas y Oklahoma. A partir de 2024, el banco ha establecido relaciones colaborativas con aproximadamente 250 entidades comerciales locales.

Tipo de asociación	Número de asociaciones	Cobertura geográfica
Redes de pequeñas empresas	127	Áreas metropolitanas de Texas
Empresas comerciales regionales	83	Zonas comerciales de Oklahoma
Cámara de Comercio local	40	Regiones de Texas y Oklahoma

Asociaciones con proveedores de servicios de tecnología financiera (fintech)

IBOC tiene asociaciones integradas con múltiples proveedores de servicios FinTech para mejorar las capacidades de banca digital.

• Asociaciones de soluciones de pago digital: 7 colaboraciones activas
• Proveedores de tecnología de ciberseguridad: 4 asociaciones estratégicas
• Proveedores de infraestructura de banca en la nube: 3 acuerdos de nivel empresarial

Colaboración con empresas de seguros e inversiones

Categoría de socio	Número de asociaciones	Valor de colaboración total
Proveedores de seguros	12	$ 78.5 millones
Empresas de gestión de inversiones	8	$ 92.3 millones

Relaciones con organizaciones regionales de desarrollo económico

IBOC participa activamente en iniciativas regionales de desarrollo económico a través de asociaciones estructuradas.

• Corporaciones de desarrollo económico de Texas: 15 asociaciones activas
• Asociaciones de crecimiento regional de Oklahoma: 9 acuerdos de colaboración
• Conexiones de red de Administración de Pequeñas Empresas (SBA): 6 Relaciones estratégicas

Valor del ecosistema de asociación total: $ 253.8 millones

International Bancshares Corporation (IBOC) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, International Bancshares Corporation reportó $ 36.7 mil millones en activos totales y $ 28.4 mil millones en préstamos totales. El banco opera 285 lugares bancarios en Texas y Oklahoma.

Categoría de servicio bancario	Volumen de transacción total (2023)	Valor de transacción promedio
Cuentas corrientes comerciales	$ 4.2 mil millones	$87,500
Cuentas de ahorro minorista	$ 2.9 mil millones	$12,300
Préstamo comercial	$ 15.6 mil millones	$475,000

Originación y procesamiento de préstamos

En 2023, IBOC procesó 22,475 solicitudes de préstamos con un valor total de $ 8.3 mil millones.

• Originaciones de préstamos hipotecarios: $ 3.1 mil millones
• Originaciones de préstamos comerciales: $ 4.2 mil millones
• Originaciones de préstamos al consumidor: $ 1 mil millones

Gestión de la plataforma de banca digital

La plataforma de banca digital de IBOC admite 475,000 usuarios activos de banca en línea y 285,000 usuarios de banca móvil a diciembre de 2023.

Métrica de plataforma digital	2023 rendimiento
Transacciones bancarias en línea	47.3 millones
Descargas de aplicaciones de banca móvil	128,500
Transacciones de pago digital	22.6 millones

Gestión de riesgos y monitoreo de cumplimiento

IBOC invirtió $ 12.4 millones en infraestructura de cumplimiento y gestión de riesgos en 2023.

• Personal de cumplimiento: 87 empleados a tiempo completo
• Tasa de cumplimiento de la auditoría regulatoria: 99.8%
• Presupuesto de prevención de fraude: $ 3.6 millones

Servicios de asesoramiento financiero del cliente

IBOC brindó servicios de asesoramiento financiero a 45,600 clientes en 2023, generando $ 67.3 millones en ingresos de asesoramiento.

Categoría de servicio de asesoramiento	Total de clientes	Ingresos generados
Gestión de patrimonio	22,300	$ 38.5 millones
Aviso de inversión	15,200	$ 21.8 millones
Planificación de jubilación	8,100	$ 7 millones

International Bancshares Corporation (IBOC) - Modelo de negocios: recursos clave

Red de sucursales

Total de ramas: 298 ubicaciones en Texas y Oklahoma a partir de 2023

Estado	Número de ramas
Texas	276
Oklahoma	22

Recursos financieros

Posición de capital:

• Activos totales: $ 14.3 mil millones (cuarto trimestre 2023)
• Depósitos totales: $ 11.7 mil millones
• Relación de capital de nivel 1: 13.2%
• Equidad total: $ 1.8 mil millones

Infraestructura bancaria digital

Plataformas tecnológicas:

• Usuarios de banca móvil: 287,000
• Plataformas de banca en línea: aplicación web y móvil
• Volumen de transacciones digitales: 4.2 millones de transacciones mensuales

Recursos humanos

Métricas de empleados	Número
Total de empleados	2,743
Años promedio de experiencia	12.6 años

Sistemas tecnológicos

Inversiones de tecnología bancaria:

• Presupuesto anual de TI: $ 42 millones
• Inversión de ciberseguridad: $ 8,3 millones
• Sistema bancario central: plataforma integrada patentada

International Bancshares Corporation (IBOC) - Modelo de negocios: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, International Bancshares Corporation ofreció 247 ubicaciones bancarias a través de Texas y Oklahoma, sirviendo aproximadamente 1.2 millones de clientes.

Segmento de clientes	Cuentas totales	Valor de cuenta promedio
Banca personal	832,000	$58,375
Banca de negocios	368,000	$243,600

Tasas de interés competitivas y productos financieros

Ofertas de productos financieros de IBOC a partir de 2024:

• Cuentas de ahorro personal: 4.25% APY
• Cuentas corrientes de negocios: 3.75% Tasa de interés
• Préstamos comerciales: a partir del 6.50% APR
• Tasas hipotecarias: fijo 30 años al 6.85%

Servicios integrales de banca digital y física

Servicio digital	Usuarios activos	Volumen de transacción
Banca móvil	621,000	3.2 millones de transacciones mensuales
Banca en línea	456,000	2.7 millones de transacciones mensuales

Experiencia en el mercado local y enfoque centrado en la comunidad

Inversión comunitaria de IBOC en 2023: $ 12.4 millones en organizaciones benéficas locales y programas de desarrollo comunitario.

Procesamiento de transacciones financieras eficientes y confiables

Métricas de procesamiento de transacciones para 2023:

• Tiempo promedio de procesamiento de transacciones: 2.3 segundos
• Volumen de transacción anual: 84.6 millones de transacciones
• Tasa de éxito de la transacción digital: 99.97%

Tipo de transacción	Volumen total	Costo de procesamiento promedio
Transferencias electrónicas	42.3 millones	$ 0.12 por transacción
Transacciones de cajero automático	22.1 millones	$ 0.25 por transacción

International Bancshares Corporation (IBOC) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personales

International Bancshares Corporation mantiene 293 sucursales en Texas y Oklahoma a partir de 2023. La gestión de la relación con el cliente implica la interacción directa a través de:

• Gerentes de relaciones dedicados para negocios y banca personal
• Tiempo promedio de interacción con el cliente de 45 minutos por consulta
• Servicios de asesoramiento financiero personalizado

Atención al cliente digital 24/7

Canal de soporte digital	Disponibilidad de servicio	Tiempo de respuesta
Banca en línea	24/7	Inmediato
Soporte de aplicaciones móviles	24/7	Menos de 15 minutos
Línea directa de servicio al cliente	6:00 am - 10:00 PM CST	Promedio de 3 minutos de espera

Equipos de banca de relaciones dedicadas

IBOC emplea a 1,247 profesionales de banca de relaciones a partir de 2023, especializados en:

• Relaciones bancarias comerciales
• Banca de pequeñas empresas
• Banca individual de alto nivel de red

Participación comunitaria y patrocinios de eventos locales

En 2023, IBOC invirtió $ 2.3 millones en patrocinios de la comunidad local en Texas y Oklahoma, que incluyen:

• Asociaciones de la institución educativa
• Patrocinios del equipo deportivo local
• Apoyo cultural y caritativo

Servicios de consulta financiera personalizada

Tipo de consulta	Duración promedio	Costo
Consulta bancaria personal	60 minutos	Gratis
Aviso de gestión de patrimonio	90 minutos	Fijación de precios
Estrategia de banca comercial	120 minutos	Complementario para clientes comerciales

International Bancshares Corporation (IBOC) - Modelo de negocios: canales

Ubicaciones de ramas físicas

A partir de 2024, International Bancshares Corporation opera 283 sucursales en Texas y Oklahoma.

Estado	Número de ramas
Texas	268
Oklahoma	15

Plataforma bancaria en línea

La plataforma de banca en línea de IBOC atiende a aproximadamente 215,000 usuarios de banca digital activo.

• Plataforma digital lanzada en 2012
• Admite acceso a la cuenta 24/7
• Ofrece pago de facturas, transferencias de fondos y visualización

Aplicación de banca móvil

La aplicación de banca móvil se ha descargado 127,500 veces al cuarto trimestre de 2023.

Plataforma	Descargar estadísticas
iOS	72,300
Androide	55,200

Red de cajeros automáticos

International Bancshares Corporation mantiene 392 ubicaciones de cajeros automáticos.

• Transacciones de cajeros automáticos gratuitos para titulares de cuentas
• Network abarca Texas y Oklahoma
• Servicios de retiro de efectivo 24/7

Centros de llamadas de servicio al cliente

IBOC opera dos centros de llamadas de servicio al cliente primario con 175 representantes totales.

Ubicación	Número de representantes
San Antonio, TX	105
Laredo, TX	70

International Bancshares Corporation (IBOC) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas en Texas y Oklahoma

A partir del cuarto trimestre de 2023, International Bancshares Corporation atiende a aproximadamente 5.200 empresas pequeñas a medianas en Texas y Oklahoma.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Fabricación	872	$ 1.3 millones
Servicios minoristas	1,243	$650,000
Servicios profesionales	1,685	$475,000

Clientes de banca minorista individual

IBOC atiende a 287,000 clientes de banca minorista individual en su red.

• Cuentas corrientes personales: 142,000 clientes
• Cuentas de ahorro personal: 98,000 clientes
• Cuentas de inversión personal: 47,000 clientes

Clientes empresariales comerciales

El banco mantiene 2.350 relaciones comerciales de clientes empresariales con una cartera de préstamos agregados de $ 3.8 mil millones a diciembre de 2023.

Categoría empresarial	Número de clientes	Cartera de préstamos totales
Grandes corporaciones	187	$ 1.9 mil millones
Empresas de tamaño mediano	843	$ 1.3 mil millones
Pequeñas empresas	1,320	$ 600 millones

Gobierno local y organizaciones municipales

IBOC atiende a 126 organizaciones locales del gobierno y municipales con relaciones bancarias municipales totales valoradas en $ 540 millones.

Clientes bancarios comunitarios agrícolas y rurales

El banco apoya a 1.750 clientes de la comunidad agrícola y rural con una cartera de préstamos agrícolas especializados de $ 625 millones.

Sector agrícola	Número de clientes	Cartera de préstamos
Producción de cultivos	612	$ 275 millones
Ganado	438	$ 210 millones
Agronegocio rural	700	$ 140 millones

International Bancshares Corporation (IBOC) - Modelo de negocio: Estructura de costos

Gastos de mantenimiento de ramas operativas

A partir de 2023 informes financieros, International Bancshares Corporation mantuvo 283 centros bancarios en Texas y Oklahoma. Los costos anuales de mantenimiento de la sucursal fueron de aproximadamente $ 42.3 millones.

Categoría de gastos	Costo anual
Alquiler/arrendamiento de la instalación	$ 18.7 millones
Utilidades	$ 5.6 millones
Mantenimiento y reparaciones	$ 7.2 millones
Sistemas de seguridad	$ 4.8 millones

Inversión en infraestructura tecnológica

En 2023, IBOC asignó $ 37.5 millones para el desarrollo de la infraestructura tecnológica.

• Actualización de sistemas bancarios centrales: $ 15.2 millones
• Mejoras de ciberseguridad: $ 8,9 millones
• Plataforma de banca digital: $ 6.4 millones
• Mantenimiento del centro de datos: $ 7 millones

Salarios y beneficios de los empleados

Los gastos totales de compensación para 2023 alcanzaron los $ 214.6 millones para 2,743 empleados.

Componente de compensación	Costo anual
Salarios base	$ 168.3 millones
Bonos de rendimiento	$ 22.7 millones
Beneficios de atención médica	$ 14.6 millones
Contribuciones de jubilación	$ 9 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 totalizaron $ 22.1 millones.

• Tarifas legales y de consultoría: $ 9.3 millones
• Auditoría e informes: $ 6.8 millones
• Capacitación de cumplimiento: $ 3.5 millones
• Tecnología regulatoria: $ 2.5 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 16.7 millones.

Canal de marketing	Gasto
Publicidad digital	$ 6.2 millones
Medios tradicionales	$ 4.5 millones
Patrocinios comunitarios	$ 3.2 millones
Programas de adquisición de clientes	$ 2.8 millones

International Bancshares Corporation (IBOC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, informó International Bancshares Corporation $ 493.6 millones En ingresos por intereses netos. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Monto total ($)
Préstamos comerciales	$ 3.67 mil millones
Préstamos inmobiliarios	$ 5.42 mil millones
Préstamos al consumo	$ 1.89 mil millones

Tarifas de servicio bancario

Los ingresos por la tarifa de servicio para 2023 totalizaron $ 127.3 millones, con los siguientes segmentos clave:

• Tarifas de mantenimiento de la cuenta: $ 42.6 millones
• Tarifas de sobregiro: $ 23.7 millones
• Tarifas de transacción de cajeros automáticos: $ 18.4 millones
• Otras tarifas de servicio bancario: $ 42.6 millones

Servicios de inversión y gestión de patrimonio

La división de gestión de patrimonio generada $ 64.2 millones en ingresos para 2023, con activos bajo gerencia alcanzando $ 3.96 mil millones.

Tipo de servicio	Ingresos ($)
Servicios de asesoramiento	$ 28.5 millones
Comisiones de corretaje	$ 22.7 millones
Tarifas de gestión de inversiones	$ 13 millones

Tarifas de transacción bancaria digital

Los ingresos bancarios digitales para 2023 fueron $ 37.8 millones, con el siguiente desglose:

• Transacciones de banca móvil: $ 22.3 millones
• Tarifas de pago de facturas en línea: $ 9.5 millones
• Procesamiento de pagos digitales: $ 6 millones

Servicios de gestión del tesoro

Servicios de gestión del Tesoro generados $ 52.4 millones en ingresos para 2023:

Categoría de servicio	Ingresos ($)
Servicios de gestión de efectivo	$ 24.6 millones
Servicios comerciales	$ 18.2 millones
Servicios del Tesoro Internacional	$ 9.6 millones

International Bancshares Corporation (IBOC) - Canvas Business Model: Value Propositions

You're looking at the core promises International Bancshares Corporation (IBOC) makes to its customers and the market as of late 2025. These aren't just marketing phrases; they are backed by balance sheet heft and operational footprint.

Expertise in cross-border commerce, defintely dominating the NAFTA trade corridor.

International Bancshares Corporation's location in Laredo, Texas, anchors its value proposition in facilitating trade across the U.S.-Mexico border. This isn't just a local focus; it's a specialized corridor competency. You see this commitment in their physical presence, which extends beyond Texas and Oklahoma into the Mexican states of Tamaulipas and Nuevo León, directly serving cross-border trade and international transactions. While the overall global cross-border payments market is projected to reach USD 217.8 billion in size in 2025, International Bancshares Corporation's value is in its deep, established regional expertise within this critical North American trade lane. The company maintains a network of 166 facilities and 255 ATMs across 75 communities in Texas and Oklahoma, with specific offices dedicated to international banking needs.

Unwavering financial strength and prudent risk management.

Financial strength is quantifiable, and International Bancshares Corporation shows solid metrics through the third quarter of 2025. The company reported total assets of approximately $16.6 billion as of September 30, 2025, up from approximately $15.7 billion at the end of 2024. This balance sheet growth supports their lending and investment activities. Prudent risk management is evidenced by the lower provision for credit loss expense reported for the first nine months of 2025. Furthermore, capital strength is a key indicator; as of March 31, 2025, the Common Equity Tier 1 (CET1) ratio stood at 22.41%, reflecting a robust capital position. The net income for the first nine months of 2025 reached $305.4 million, demonstrating consistent profitability even with increased deposit costs.

Here's a quick look at the financial scale supporting this proposition:

Metric	As of September 30, 2025	Change from Dec 31, 2024
Total Assets	$16.6 billion	Increase
Total Net Loans	$9.2 billion	Increase from $8.7 billion
Total Deposits	$12.5 billion	Increase from $12.1 billion
Q3 2025 Net Income	$108.4 million	8.6% increase YoY

What this estimate hides is the ongoing pressure from rising interest expense on deposits, which management is actively monitoring.

Comprehensive financial solutions: banking, mortgage, insurance, and investments.

International Bancshares Corporation positions itself as a full-service financial partner, not just a transactional bank. This means you can handle multiple financial needs under one holding company structure. The breadth of services is designed to capture the entire financial lifecycle of its retail, commercial, and corporate clients. They offer a complete suite of products, which is a major convenience factor for businesses operating across borders.

The key solution areas include:

• Banking (Checking, Savings, Treasury Management)
• Mortgage lending
• Insurance services (Personal and Business lines)
• Trust and Wealth Management services

Superior customer service encapsulated by the motto We Do More.

The commitment to superior customer service, summarized by the internal motto, is a key differentiator against larger, less personalized institutions. Management explicitly stated in their Q3 2025 commentary their focus on delivering this superior service. This relationship-driven banking approach is central to retaining the strong relationship deposit base they maintain, which stood at approximately $12.5 billion at the end of Q3 2025.

Stability and community focus as a deeply rooted multi-bank holding company.

As one of the largest independent bank holding companies in Texas, International Bancshares Corporation offers a sense of stability derived from its structure and long-term focus. The company traces its roots to 1966, and governance still involves subsequent generations of the founding family, which reinforces a commitment to long-term value over short-term trading pressures. This deep rooting translates into a community-oriented approach across the markets it serves in Texas and Oklahoma. The consistent earnings growth, with diluted EPS for the nine months ending September 30, 2025, at $4.91, up 4.0% over the prior year period, speaks to this stability.

International Bancshares Corporation (IBOC) - Canvas Business Model: Customer Relationships

International Bancshares Corporation (IBOC) anchors its business model on a high-touch, personal relationship banking model. This philosophy is central to their operations, as evidenced by their mission to provide financial solutions with a focus on customer relationships, which supported a net income of $305.4 million for the nine months ended September 30, 2025.

The delivery of this personalized service is highly localized and supported by a significant physical footprint across Texas and Oklahoma. You see this commitment in the sheer number of access points available to customers.

• High-touch, personal relationship banking model.
• Dedicated local advisory boards for tailored service delivery.
• Relationship-based deposit retention strategy to manage funding costs.
• Direct, in-person service at 166 facilities.

The physical presence is substantial, allowing for direct, in-person service across their operating footprint. As of late 2025, International Bancshares Corporation operates 166 facilities and 255 ATMs, serving 75 communities in Texas and Oklahoma. This network supports their slogan, 'We Do More,' which reflects the dedication to customer growth and success.

The emphasis on local presence is often tied to the concept of local governance and advice, though specific, quantifiable data on the internal structure of dedicated local advisory boards is not publicly detailed in the latest reports. However, the engagement of key personnel in community-focused regulatory bodies, such as the appointment of a division President and CEO to the Consumer Financial Protection Bureau (CFPB) Community Bank Advisory Council, underscores a commitment to community-level insight.

A critical component of managing funding costs is the relationship-based deposit retention strategy. Deposits provide the primary funding source for lending and investment activities, and International Bancshares Corporation actively manages the interest expense associated with them. The company explicitly states they 'continue to closely monitor and adjust rates paid on deposits to remain competitive to grow and retain deposits'. This focus on retention, rather than just acquisition, is key to maintaining a stable funding base, which stood at approximately $12.5 billion as of September 30, 2025.

Here is a snapshot illustrating the scale supported by these customer relationships as of the third quarter of 2025:

Metric	Amount as of September 30, 2025	Context
Total Assets	Approximately $16.6 billion	Reflects balance sheet expansion
Total Deposits	Approximately $12.5 billion	Core funding base for lending
Total Net Loans	Approximately $9.2 billion	Asset growth supported by stable funding
Net Income (9 Months Ended)	$305.4 million	Year-over-year growth in profitability
Diluted EPS (9 Months Ended)	$4.91	Direct measure of shareholder return

The success of this relationship focus is also reflected in external validation; International Bancshares Corporation was ranked as the 'Best Performing U.S. Public Bank with more than $10 billion in assets' by S&P Global Market Intelligence in 2024. The company's priority remains the relationship with clients to protect their most valuable assets.

International Bancshares Corporation (IBOC) - Canvas Business Model: Channels

You're looking at how International Bancshares Corporation (IBOC) gets its value proposition to the customer base across Texas and Oklahoma. The channel strategy here is clearly a blend of traditional, high-touch physical presence and modern digital access.

The core of the physical distribution network is substantial, designed to serve a wide geographic area across two states. As of the first quarter of 2025, International Bancshares Corporation operated a network that included:

Channel Component	Quantity/Detail	Geographic Scope	Latest Reported Metric (as of Q1 2025)
Physical Facilities (Branches)	166	Texas and Oklahoma	166 facilities serving 75 communities
Automated Teller Machines (ATMs)	255	Texas and Oklahoma	255 locations for cash access
Digital Platform Access	Online Banking & Mobile Banking	Global/Customer Access	Platform availability for deposit/loan servicing
Total Assets Context	N/A	Consolidated	Approximately $16.3 billion as of March 31, 2025

The physical branch network is the bedrock, offering face-to-face service, which is particularly important for their commercial and international banking customers. You see this commitment to local presence in their strategy to place branches in high-traffic retail areas. This helps them capture consumer banking business where people are already shopping. Honestly, this dual approach helps them cover different customer needs effectively.

International Bancshares Corporation actively integrates its physical locations with convenient access points:

• - Physical branch network: 166 facilities in Texas and Oklahoma.
• - Automated Teller Machines (ATMs): 255 locations for cash access.
• - Retail locations: Branches inside shopping malls and supermarkets, like Walmart.

To support customers who prefer not to visit a location, the digital channels are critical. These platforms are the primary means for routine transactions and account management for many clients. The digital offering includes:

• - Online Banking and Mobile Banking platforms.
• - IBC Voice - an automated telephone system for 24-Hour Banking.

For context on the scale of the operation these channels support, as of March 31, 2025, the total net loans stood at approximately $8.9 billion, supported by deposits of about $12.5 billion. The Q1 2025 net income was approximately $96.9 million, showing the revenue-generating capacity flowing through these access points. Finance: draft 13-week cash view by Friday.

International Bancshares Corporation (IBOC) - Canvas Business Model: Customer Segments

International Bancshares Corporation (IBOC) serves a diverse client base deeply rooted in the economies of Texas and Oklahoma, with a distinct specialization in cross-border commerce.

Small- and medium-sized businesses (SMEs) in Texas and Oklahoma.

This group forms the core of the commercial banking activity. The company provides a wide range of commercial banking services, including lending, checking, and savings products to businesses across its operating footprint. The loan portfolio growth reflects the demand from this segment. As of September 30, 2025, total net loans stood at approximately $\mathbf{\$9.2 \text{ billion}}$. The bank serves $\mathbf{75 \text{ communities}}$ across Texas and Oklahoma through $\mathbf{166 \text{ facilities}}$.

• Lending products cover commercial needs.
• Business services include specialized bank cards and merchant services.
• Local decision-making supports community-based business growth.

International trade businesses focused on the U.S.-Mexico border.

Headquartered in $\mathbf{Laredo, \text{ Texas}}$, International Bancshares Corporation emphasizes service to U.S. and Mexican market segments. This focus is critical given that the Texas-Mexico border processed nearly 66 percent ($\mathbf{\$553 \text{ billion}}$ in 2024) of all U.S.-Mexico trade. The bank offers specialized services like foreign exchange for $\mathbf{pesos \text{ and euros}}$ to facilitate this trade. This segment is a defintely undervalued driver of the business, supported by the overall balance sheet expansion.

Retail/consumer customers seeking comprehensive personal banking services.

Retail customers use services like personal checking, savings accounts, bank cards, and mortgage lending. The stability of the funding base is a direct indicator of the strength of this segment. Total Deposits for International Bancshares Corporation reached approximately $\mathbf{\$12.5 \text{ billion}}$ as of September 30, 2025. This represents a $\mathbf{2.8\%}$ increase from $\mathbf{\$12.11 \text{ billion}}$ at the end of 2024.

Wealth management clients for trust and investment services.

The company provides investment services to its clients. While specific Assets Under Management (AUM) for wealth management are not explicitly broken out in the latest reports, the overall growth in total assets suggests an expanding base for these higher-value services. The bank's total assets grew to approximately $\mathbf{\$16.6 \text{ billion}}$ by September 30, 2025, up from $\mathbf{\$15.7 \text{ billion}}$ at the end of 2024.

The scale of the customer base, as reflected in the balance sheet growth through the first three quarters of 2025, is shown below:

Metric	December 31, 2024	March 31, 2025	June 30, 2025	September 30, 2025
Total Assets	$\approx \mathbf{\$15.7 \text{ billion}}$	$\approx \mathbf{\$16.3 \text{ billion}}$	$\approx \mathbf{\$16.5 \text{ billion}}$	$\approx \mathbf{\$16.6 \text{ billion}}$
Total Deposits	$\approx \mathbf{\$12.1 \text{ billion}}$	$\approx \mathbf{\$12.5 \text{ billion}}$	$\approx \mathbf{\$12.5 \text{ billion}}$	$\approx \mathbf{\$12.5 \text{ billion}}$
Total Net Loans	$\approx \mathbf{\$8.7 \text{ billion}}$	$\approx \mathbf{\$8.9 \text{ billion}}$	$\approx \mathbf{\$9.0 \text{ billion}}$	$\approx \mathbf{\$9.2 \text{ billion}}$

International Bancshares Corporation (IBOC) - Canvas Business Model: Cost Structure

You're looking at the expense side of International Bancshares Corporation (IBOC) as of late 2025. The cost structure is heavily influenced by the prevailing interest rate environment, which directly impacts funding costs. Honestly, for a bank like IBOC, the cost of money is always front and center.

Primary cost driver is interest expense paid on deposits due to high rates. This pressure on net interest income is a persistent theme, even with the Federal Reserve Board taking action to decrease rates recently. Management is actively adjusting deposit rates to stay competitive, but the cost of funding remains elevated compared to prior periods. For context, in the third quarter of 2025, net interest income was negatively impacted by this rising interest expense, primarily from deposit costs. The revenue net of interest expense for Q3 2025 was reported at $218.1 million, showing the direct subtraction from gross revenue.

The cost of maintaining the physical footprint and the team is another major component. International Bancshares Corporation operates through a significant network, which translates directly into operating expenses. You should note the scale of their physical presence:

• - The company operates 166 facilities across Texas and Oklahoma.
• - They maintain 255 ATMs to service their 75 communities.
• - Total assets stood at approximately $16.6 billion as of September 30, 2025.

On the risk management side, the cost associated with potential loan defaults-the provision for credit losses-has seen a welcome moderation recently. This is a positive sign for the cost base, reflecting improved credit quality in the portfolio. For instance, looking at the third quarter data shows a significant step down in this expense category year-over-year, which helps bolster net income.

Credit Loss Metric (USD Millions)	Q3 2025	Q3 2024
Provision for Credit Losses	~$1.83	~$8.60

The provision for credit losses saw a significant decrease in Q1 2025 compared to the prior quarter for the broader community bank industry, and IBOC's Q3 2025 figure of approximately $1.83 million confirms this trend of lower provisioning relative to the $8.60 million recorded in Q3 2024. This decrease positively impacted net income for the first nine months of 2025.

Finally, you have to account for the necessary investment in the future of banking. International Bancshares Corporation is actively directing capital toward modernization. Management specifically highlighted new AI initiatives to create efficiencies during the Q3 2025 commentary. While the exact dollar amount for technology and digital transformation investment isn't broken out as a primary expense line item here, it is a clear area of strategic spending intended to create durable operating leverage and offset other rising costs over time. The Q3 2025 net income was $108.4 million, demonstrating that despite funding cost pressures, cost discipline and lower credit costs are helping maintain profitability.

International Bancshares Corporation (IBOC) - Canvas Business Model: Revenue Streams

The revenue streams for International Bancshares Corporation (IBOC) are fundamentally driven by its core banking activities, supplemented by fee-based services. You see the primary engine is the spread between what the company earns on its assets and what it pays out on its liabilities.

Net Interest Income (NII) remains the largest component, derived from the loan and investment portfolios. While the overall trend for the first half of 2025 showed NII facing pressure from rising deposit costs, the third quarter performance helped stabilize the trend, supported by higher interest income on the growing asset base.

Here's a look at the reported Net Interest Income across the first three quarters of 2025, showing the quarter-over-quarter movement:

Period Ended	Net Interest Income (Amount)
March 31, 2025 (Q1)	$161,219,000
June 30, 2025 (Q2)	$167.5 million

The overall profitability for the year-to-date period is captured by the bottom line. Net income for the nine months ended 9/30/2025 was $305.4 million. This performance translated directly to shareholder returns, with the Q3 2025 diluted EPS was $1.74, up 8.8% year-over-year. For context, the net income for just the third quarter of 2025 was $108.4 million.

Beyond interest earnings, International Bancshares Corporation generates non-interest income. This stream includes revenue from various transactional activities and specialized offerings. While Q1 2025 non-interest income was reported at $37,003,000, which was impacted by losses in merchant banking investments, the core fee-based revenue is a consistent component.

The revenue from specialized services is a key differentiator, particularly given International Bancshares Corporation's strong presence in the Texas and Mexican markets. These services include:

• Revenue from specialized services like foreign exchange, specifically mentioning services for pesos and euros.
• Revenue from insurance sales through its agency, covering various needs such as General Liability Insurance, Key Employee Insurance, and Business Auto Insurance.

The focus remains on executing long-standing practices of balance sheet management and strong cost controls to support these revenue streams.