International Bancshares Corporation (IBOC): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, International Bancshares Corporation (IBOC) apparaît comme une puissance stratégique, tissant un modèle commercial complexe qui transcende les services financiers traditionnels. En tirant parti d'un réseau robuste à travers le Texas et l'Oklahoma, IBOC fabrique une proposition de valeur unique qui mélange une infrastructure numérique de pointe avec des solutions bancaires personnalisées et axées sur la communauté. Cette approche innovante différencie non seulement la banque sur un marché concurrentiel, mais la positionne également comme un partenaire financier pivot pour les entreprises, les particuliers et les communautés locales à la recherche d'expériences financières complètes et adaptées.

International Bancshares Corporation (IBOC) - Modèle commercial: partenariats clés

Alliances stratégiques avec les entreprises locales au Texas et à l'Oklahoma

International Bancshares Corporation entretient des partenariats stratégiques sur plusieurs réseaux commerciaux locaux au Texas et en Oklahoma. En 2024, la banque a établi des relations collaboratives avec environ 250 entités commerciales locales.

Type de partenariat	Nombre de partenariats	Couverture géographique
Réseaux de petites entreprises	127	Zones métropolitaines du Texas
Entreprises commerciales régionales	83	Zones commerciales de l'Oklahoma
Chambre de commerce locale	40	Régions du Texas et de l'Oklahoma

Partenariats avec les fournisseurs de services de la technologie financière (FINTECH)

IBOC a intégré des partenariats avec plusieurs fournisseurs de services fintech pour améliorer les capacités bancaires numériques.

• Partenariats de solutions de paiement numérique: 7 collaborations actives
• Provideurs de technologie de cybersécurité: 4 partenariats stratégiques
• Cloud Banking Infrastructure Vendeurs: 3 accords de niveau d'entreprise

Collaboration avec les sociétés d'assurance et d'investissement

Catégorie de partenaire	Nombre de partenariats	Valeur collaborative totale
Assureurs	12	78,5 millions de dollars
Sociétés de gestion des investissements	8	92,3 millions de dollars

Relations avec les organisations régionales de développement économique

IBOC participe activement à des initiatives régionales de développement économique grâce à des partenariats structurés.

• Texas Economic Development Corporations: 15 partenariats actifs
• Associations de croissance régionale de l'Oklahoma: 9 accords de collaboration
• Connexions du réseau Administration des Small Business (SBA): 6 relations stratégiques

Valeur totale de l'écosystème du partenariat: 253,8 millions de dollars

International Bancshares Corporation (IBOC) - Modèle commercial: activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, International Bancshares Corporation a déclaré 36,7 milliards de dollars d'actifs totaux et 28,4 milliards de dollars de prêts. La banque exploite 285 emplacements bancaires à travers le Texas et l'Oklahoma.

Catégorie de service bancaire	Volume total des transactions (2023)	Valeur de transaction moyenne
Comptes de chèques commerciaux	4,2 milliards de dollars	$87,500
Comptes d'épargne au détail	2,9 milliards de dollars	$12,300
Prêts commerciaux	15,6 milliards de dollars	$475,000

Origination et traitement du prêt

En 2023, IBOC a traité 22 475 demandes de prêt d'une valeur totale de 8,3 milliards de dollars.

• Originations du prêt hypothécaire: 3,1 milliards de dollars
• Originations de prêt commercial: 4,2 milliards de dollars
• Originations du prêt à la consommation: 1 milliard de dollars

Gestion de la plate-forme bancaire numérique

La plate-forme bancaire numérique d'IBOC prend en charge 475 000 utilisateurs de banques en ligne actives et 285 000 utilisateurs de services bancaires mobiles en décembre 2023.

Métrique de la plate-forme numérique	Performance de 2023
Transactions bancaires en ligne	47,3 millions
Téléchargements d'applications bancaires mobiles	128,500
Transactions de paiement numérique	22,6 millions

Gestion des risques et surveillance de la conformité

IBOC a investi 12,4 millions de dollars dans l'infrastructure de gestion des risques et de gestion des risques en 2023.

• Personnel de conformité: 87 employés à temps plein
• Taux de conformité de l'audit réglementaire: 99,8%
• Budget de prévention de la fraude: 3,6 millions de dollars

Services de conseil financier des clients

IBOC a fourni des services de conseil financier à 45 600 clients en 2023, générant 67,3 millions de dollars de revenus consultatifs.

Catégorie de service consultatif	Total des clients	Revenus générés
Gestion de la richesse	22,300	38,5 millions de dollars
Avis d'investissement	15,200	21,8 millions de dollars
Planification de la retraite	8,100	7 millions de dollars

International Bancshares Corporation (IBOC) - Modèle commercial: Ressources clés

Réseau de succursale

Branches totales: 298 emplacements à travers le Texas et l'Oklahoma en 2023

État	Nombre de branches
Texas	276
Oklahoma	22

Ressources financières

Position en capital:

• Actif total: 14,3 milliards de dollars (Q4 2023)
• Dépôts totaux: 11,7 milliards de dollars
• Ratio de capital de niveau 1: 13,2%
• Équité totale: 1,8 milliard de dollars

Infrastructure bancaire numérique

Plateformes technologiques:

• Utilisateurs de la banque mobile: 287 000
• Plateformes bancaires en ligne: application Web et mobile
• Volume de transactions numériques: 4,2 millions de transactions mensuelles

Ressources humaines

Métriques des employés	Nombre
Total des employés	2,743
Des années moyennes d'expérience	12,6 ans

Systèmes technologiques

Investissements en technologie bancaire:

• Budget informatique annuel: 42 millions de dollars
• Investissement en cybersécurité: 8,3 millions de dollars
• Système bancaire de base: plate-forme intégrée propriétaire

International Bancshares Corporation (IBOC) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, International Bancshares Corporation a proposé 247 lieux bancaires à travers le Texas et l'Oklahoma, servant environ 1,2 million de clients.

Segment de clientèle	Comptes totaux	Valeur moyenne du compte
Banque personnelle	832,000	$58,375
Banque d'affaires	368,000	$243,600

Taux d'intérêt concurrentiels et produits financiers

Offres de produits financiers d'IBOC à partir de 2024:

• Comptes d'épargne personnels: 4,25% apy
• Comptes de chèques d'entreprise: taux d'intérêt de 3,75%
• Prêts commerciaux: à partir de 6,50% avr
• Taux hypothécaires: Fixe de 30 ans à 6,85%

Services bancaires numériques et physiques complets

Service numérique	Utilisateurs actifs	Volume de transaction
Banque mobile	621,000	3,2 millions de transactions mensuelles
Banque en ligne	456,000	2,7 millions de transactions mensuelles

Expertise du marché local et approche axée sur la communauté

Investissement communautaire d'IBOC en 2023: 12,4 millions de dollars dans les organisations caritatives locales et les programmes de développement communautaire.

Traitement des transactions financières efficaces et fiables

Métriques de traitement des transactions pour 2023:

• Temps de traitement des transactions moyens: 2,3 secondes
• Volume de transaction annuel: 84,6 millions de transactions
• Taux de réussite des transactions numériques: 99,97%

Type de transaction	Volume total	Coût de traitement moyen
Transferts électroniques	42,3 millions	0,12 $ par transaction
Transactions ATM	22,1 millions	0,25 $ par transaction

International Bancshares Corporation (IBOC) - Modèle d'entreprise: relations clients

Gestion des relations personnelles

International Bancshares Corporation entretient 293 succursales à travers le Texas et l'Oklahoma à partir de 2023. La gestion de la relation client implique une interaction directe à travers:

• Gestionnaires de relations dédiées aux affaires et aux services bancaires personnels
• Temps moyen d'interaction du client de 45 minutes par consultation
• Services de conseil financier personnalisés

Support client numérique 24/7

Canal de support numérique	Disponibilité du service	Temps de réponse
Banque en ligne	24/7	Immédiat
Prise en charge de l'application mobile	24/7	Moins de 15 minutes
Hotline du service client	6h00 - 22h00 CST	Attente moyenne de 3 minutes

Équipes bancaires de relations dédiées

IBOC emploie 1 247 professionnels des banques de relations à partir de 2023, spécialisés dans:

• Relations bancaires commerciales
• Banque des petites entreprises
• Banque individuelle à haute nette

Engagement communautaire et parrainages d'événements locaux

En 2023, IBOC a investi 2,3 millions de dollars dans les parrainages communautaires locaux à travers le Texas et l'Oklahoma, notamment:

• Partenariats des établissements d'enseignement
• Sponsors de l'équipe sportive locale
• Support d'événements culturels et caritatifs

Services de consultation financière personnalisés

Type de consultation	Durée moyenne	Coût
Consultation bancaire personnelle	60 minutes	Gratuit
Avis de gestion de la patrimoine	90 minutes	Prix ​​à plusieurs niveaux
Stratégie de banque d'affaires	120 minutes	Complémentaire pour les clients commerciaux

International Bancshares Corporation (IBOC) - Modèle commercial: canaux

Emplacements de branche physiques

En 2024, International Bancshares Corporation exploite 283 succursales à travers le Texas et l'Oklahoma.

État	Nombre de branches
Texas	268
Oklahoma	15

Plateforme bancaire en ligne

La plate-forme bancaire en ligne d'IBOC dessert environ 215 000 utilisateurs de banque numérique actifs.

• Plateforme numérique lancée en 2012
• Prend en charge l'accès au compte 24/7
• Offre la rémunération des factures, les transferts de fonds et la visualisation des déclarations

Application bancaire mobile

L'application bancaire mobile a été téléchargée 127 500 fois au quatrième trimestre 2023.

Plate-forme	Télécharger des statistiques
ios	72,300
Androïde	55,200

Réseau ATM

International Bancshares Corporation conserve 392 emplacements ATM.

• Transactions ATM gratuites pour les titulaires de compte
• Le réseau s'étend sur le Texas et l'Oklahoma
• Services de retrait en espèces 24/7

Centres d'appels de service client

IBOC exploite deux centres d'appels de service à la clientèle principaux avec 175 représentants au total.

Emplacement	Nombre de représentants
San Antonio, TX	105
Laredo, TX	70

International Bancshares Corporation (IBOC) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises du Texas et de l'Oklahoma

Au quatrième trimestre 2023, International Bancshares Corporation dessert environ 5 200 petites et moyennes entreprises du Texas et de l'Oklahoma.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Fabrication	872	1,3 million de dollars
Services de vente au détail	1,243	$650,000
Services professionnels	1,685	$475,000

Clients bancaires de détail individuels

IBOC dessert 287 000 clients de banque de détail individuels à travers son réseau.

• Comptes de chèques personnels: 142 000 clients
• Comptes d'épargne personnels: 98 000 clients
• Comptes d'investissement personnel: 47 000 clients

Clients commerciaux

La banque maintient 2 350 relations avec les clients commerciaux avec un portefeuille de prêts agrégé de 3,8 milliards de dollars en décembre 2023.

Catégorie d'entreprise	Nombre de clients	Portefeuille de prêts totaux
Grandes entreprises	187	1,9 milliard de dollars
Entreprises de taille moyenne	843	1,3 milliard de dollars
Petites entreprises	1,320	600 millions de dollars

Gouvernement local et organisations municipales

IBOC dessert 126 organisations locales et municipales ayant des relations bancaires municipales totales d'une valeur de 540 millions de dollars.

Clients bancaires de la communauté agricole et rurale

La banque soutient 1 750 clients de la communauté agricole et rurale avec un portefeuille de prêts agricoles spécialisés de 625 millions de dollars.

Secteur agricole	Nombre de clients	Portefeuille de prêt
Production agricole	612	275 millions de dollars
Bétail	438	210 millions de dollars
Agro-industrie rurale	700	140 millions de dollars

International Bancshares Corporation (IBOC) - Modèle d'entreprise: Structure des coûts

Frais de maintenance des succursales opérationnelles

En 2023 rapports financiers, International Bancshares Corporation a maintenu 283 centres bancaires à travers le Texas et l'Oklahoma. Les coûts annuels de maintenance des succursales étaient d'environ 42,3 millions de dollars.

Catégorie de dépenses	Coût annuel
Loyer / location de l'installation	18,7 millions de dollars
Services publics	5,6 millions de dollars
Entretien et réparations	7,2 millions de dollars
Systèmes de sécurité	4,8 millions de dollars

Investissement infrastructure technologique

En 2023, IBOC a alloué 37,5 millions de dollars pour le développement des infrastructures technologiques.

• Mise à niveau des systèmes bancaires de base: 15,2 millions de dollars
• Améliorations de la cybersécurité: 8,9 millions de dollars
• Plateforme bancaire numérique: 6,4 millions de dollars
• Maintenance du centre de données: 7 millions de dollars

Salaires et avantages sociaux des employés

Les frais de rémunération totale pour 2023 ont atteint 214,6 millions de dollars pour 2 743 employés.

Composant de compensation	Coût annuel
Salaires de base	168,3 millions de dollars
Bonus de performance	22,7 millions de dollars
Avantages sociaux	14,6 millions de dollars
Contributions à la retraite	9 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 ont totalisé 22,1 millions de dollars.

• Frais juridiques et de consultation: 9,3 millions de dollars
• Audit et rapport: 6,8 millions de dollars
• Formation en conformité: 3,5 millions de dollars
• Technologie réglementaire: 2,5 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 16,7 millions de dollars.

Canal de marketing	Dépenses
Publicité numérique	6,2 millions de dollars
Médias traditionnels	4,5 millions de dollars
Parrainages communautaires	3,2 millions de dollars
Programmes d'acquisition de clients	2,8 millions de dollars

International Bancshares Corporation (IBOC) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, International Bancshares Corporation a rapporté 493,6 millions de dollars dans le revenu des intérêts nets. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Montant total ($)
Prêts commerciaux	3,67 milliards de dollars
Prêts immobiliers	5,42 milliards de dollars
Prêts à la consommation	1,89 milliard de dollars

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 127,3 millions de dollars, avec les segments clés suivants:

• Frais de maintenance du compte: 42,6 millions de dollars
• Frais de découvert: 23,7 millions de dollars
• Frais de transaction ATM: 18,4 millions de dollars
• Autres frais de service bancaire: 42,6 millions de dollars

Services d'investissement et de gestion de la patrimoine

La division de gestion de patrimoine générée 64,2 millions de dollars en revenus pour 2023, avec des actifs sous gestion atteignant 3,96 milliards de dollars.

Type de service	Revenus ($)
Services consultatifs	28,5 millions de dollars
Commissions de courtage	22,7 millions de dollars
Frais de gestion des investissements	13 millions de dollars

Frais de transaction bancaire numérique

Les revenus bancaires numériques pour 2023 étaient 37,8 millions de dollars, avec la ventilation suivante:

• Transactions bancaires mobiles: 22,3 millions de dollars
• Frais de rémunération des factures en ligne: 9,5 millions de dollars
• Traitement des paiements numériques: 6 millions de dollars

Services de gestion du Trésor

Services de gestion du Trésor générés 52,4 millions de dollars en revenus pour 2023:

Catégorie de service	Revenus ($)
Services de gestion de trésorerie	24,6 millions de dollars
Services marchands	18,2 millions de dollars
Services de trésorerie internationaux	9,6 millions de dollars

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.