International Bancshares Corporation (IBOC): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário regional, a International Bancshares Corporation (IBOC) surge como uma potência estratégica, tecendo um intrincado modelo de negócios que transcende os serviços financeiros tradicionais. Ao alavancar uma rede robusta no Texas e Oklahoma, o IBOC cria uma proposta de valor única que combina a infraestrutura digital de ponta com soluções bancárias personalizadas e focadas na comunidade. Essa abordagem inovadora não apenas diferencia o banco em um mercado competitivo, mas também a posiciona como um parceiro financeiro fundamental para empresas, indivíduos e comunidades locais que buscam experiências financeiras abrangentes e adaptadas.

International Bancshares Corporation (IBOC) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com empresas locais no Texas e Oklahoma

A International Bancshares Corporation mantém parcerias estratégicas em várias redes de negócios locais no Texas e Oklahoma. A partir de 2024, o banco estabeleceu relações colaborativas com aproximadamente 250 entidades comerciais locais.

Tipo de parceria	Número de parcerias	Cobertura geográfica
Redes de pequenas empresas	127	Áreas metropolitanas do Texas
Empresas comerciais regionais	83	Zonas comerciais de Oklahoma
Câmara de Comércio local	40	Regiões Texas e Oklahoma

Parcerias com provedores de serviços de tecnologia financeira (fintech)

O IBOC integrou parcerias com vários provedores de serviços da FinTech para aprimorar os recursos bancários digitais.

• Parcerias de soluções de pagamento digital: 7 colaborações ativas
• Provedores de tecnologia de segurança cibernética: 4 parcerias estratégicas
• Fornecedores de infraestrutura bancária em nuvem: 3 acordos de nível corporativo

Colaboração com empresas de seguros e investimentos

Categoria de parceiro	Número de parcerias	Valor total colaborativo
Provedores de seguros	12	US $ 78,5 milhões
Empresas de gerenciamento de investimentos	8	US $ 92,3 milhões

Relacionamento com organizações regionais de desenvolvimento econômico

O IBOC participa ativamente de iniciativas regionais de desenvolvimento econômico por meio de parcerias estruturadas.

• Corporações de desenvolvimento econômico do Texas: 15 parcerias ativas
• Associações de crescimento regional de Oklahoma: 9 acordos colaborativos
• Conexões de rede de administração de pequenas empresas (SBA): 6 relações estratégicas

Valor do ecossistema total de parceria: US $ 253,8 milhões

International Bancshares Corporation (IBOC) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a International Bancshares Corporation registrou US $ 36,7 bilhões em ativos totais e US $ 28,4 bilhões em empréstimos totais. O Banco opera 285 locais bancários em Texas e Oklahoma.

Categoria de serviço bancário	Volume total de transações (2023)	Valor médio da transação
Contas de corrente comercial	US $ 4,2 bilhões	$87,500
Contas de poupança de varejo	US $ 2,9 bilhões	$12,300
Empréstimos comerciais	US $ 15,6 bilhões	$475,000

Origem e processamento de empréstimos

Em 2023, o IBOC processou 22.475 pedidos de empréstimo com um valor total de US $ 8,3 bilhões.

• Origenas do empréstimo hipotecário: US $ 3,1 bilhões
• Origenas de empréstimos comerciais: US $ 4,2 bilhões
• Origenas do empréstimo do consumidor: US $ 1 bilhão

Gerenciamento de plataforma bancária digital

A plataforma bancária digital do IBOC suporta 475.000 usuários de bancos on -line ativos e 285.000 usuários de bancos móveis em dezembro de 2023.

Métrica da plataforma digital	2023 desempenho
Transações bancárias online	47,3 milhões
Downloads de aplicativos bancários móveis	128,500
Transações de pagamento digital	22,6 milhões

Gerenciamento de riscos e monitoramento de conformidade

O IBOC investiu US $ 12,4 milhões em infraestrutura de conformidade e gerenciamento de riscos em 2023.

• Equipe de conformidade: 87 funcionários em tempo integral
• Taxa de conformidade de auditoria regulatória: 99,8%
• Orçamento de prevenção de fraudes: US $ 3,6 milhões

Serviços de consultoria financeira do cliente

O IBOC forneceu serviços de consultoria financeira a 45.600 clientes em 2023, gerando US $ 67,3 milhões em receita consultiva.

Categoria de serviço de consultoria	Total de clientes	Receita gerada
Gestão de patrimônio	22,300	US $ 38,5 milhões
Aviso de investimento	15,200	US $ 21,8 milhões
Planejamento de aposentadoria	8,100	US $ 7 milhões

International Bancshares Corporation (IBOC) - Modelo de negócios: Recursos -chave

Rede de filiais

Total de ramos: 298 locais em Texas e Oklahoma a partir de 2023

Estado	Número de ramificações
Texas	276
Oklahoma	22

Recursos financeiros

Posição de capital:

• Total de ativos: US $ 14,3 bilhões (Q4 2023)
• Total de depósitos: US $ 11,7 bilhões
• Tier 1 Capital Ratio: 13,2%
• Patrimônio total: US $ 1,8 bilhão

Infraestrutura bancária digital

Plataformas de tecnologia:

• Usuários bancários móveis: 287.000
• Plataformas bancárias on -line: aplicativo web e móvel
• Volume de transação digital: 4,2 milhões de transações mensais

Recursos Humanos

Métricas de funcionários	Número
Total de funcionários	2,743
Anos médios de experiência	12,6 anos

Sistemas de tecnologia

Investimentos de tecnologia bancária:

• Orçamento anual de TI: US $ 42 milhões
• Investimento de segurança cibernética: US $ 8,3 milhões
• Sistema bancário principal: plataforma integrada proprietária

International Bancshares Corporation (IBOC) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

A partir do quarto trimestre 2023, a International Bancshares Corporation oferecida 247 Locais bancários em todo o Texas e Oklahoma, servindo aproximadamente 1,2 milhão de clientes.

Segmento de clientes	Contas totais	Valor médio da conta
Bancos pessoais	832,000	$58,375
Banking de negócios	368,000	$243,600

Taxas de juros competitivas e produtos financeiros

Ofertas de produtos financeiros do IBOC a partir de 2024:

• Contas de poupança pessoal: 4,25% APY
• Contas de corrente de negócios: Taxa de juros de 3,75%
• Empréstimos comerciais: a partir de 6,50% de APR
• Taxas de hipoteca: fixado 30 anos a 6,85%

Serviços bancários digitais e físicos abrangentes

Serviço digital	Usuários ativos	Volume de transação
Mobile Banking	621,000	3,2 milhões de transações mensais
Bancos online	456,000	2,7 milhões de transações mensais

Experiência no mercado local e abordagem focada na comunidade

Investimento comunitário da IBOC em 2023: US $ 12,4 milhões em organizações de caridade locais e programas de desenvolvimento comunitário.

Processamento de transações financeiras eficiente e confiável

Métricas de processamento de transações para 2023:

• Tempo médio de processamento da transação: 2,3 segundos
• Volume anual de transações: 84,6 milhões de transações
• Taxa de sucesso da transação digital: 99,97%

Tipo de transação	Volume total	Custo médio de processamento
Transferências eletrônicas	42,3 milhões	US $ 0,12 por transação
Transações ATM	22,1 milhões	US $ 0,25 por transação

International Bancshares Corporation (IBOC) - Modelo de Negócios: Relacionamentos ao Cliente

Gerenciamento de relacionamento pessoal

A International Bancshares Corporation mantém 293 filiais em Texas e Oklahoma a partir de 2023. O gerenciamento de relacionamento com o cliente envolve interação direta por meio de:

• Gerentes de relacionamento dedicados para negócios e bancos pessoais
• Tempo médio de interação do cliente de 45 minutos por consulta
• Serviços de Consultoria Financeira Personalizada

Suporte ao cliente digital 24 horas por dia, 7 dias por semana

Canal de suporte digital	Disponibilidade de serviço	Tempo de resposta
Bancos online	24/7	Imediato
Suporte ao aplicativo móvel	24/7	Menos de 15 minutos
Linha direta de atendimento ao cliente	6:00 - 22:00 CST	Espera média de 3 minutos

Equipes bancárias de relacionamento dedicadas

O IBOC emprega 1.247 profissionais bancários de relacionamento a partir de 2023, especializados em:

• Relacionamentos bancários comerciais
• Bancos de pequenas empresas
• Bancos individuais de alta rede

Engajamento da comunidade e patrocínios de eventos locais

Em 2023, o IBOC investiu US $ 2,3 milhões em patrocínios da comunidade local em todo o Texas e Oklahoma, incluindo:

• Parcerias de instituição educacional
• Patrocínios da equipe de esportes locais
• Suporte de eventos culturais e de caridade

Serviços personalizados de consulta financeira

Tipo de consulta	Duração média	Custo
Consulta bancária pessoal	60 minutos	Livre
Advogado de gerenciamento de patrimônio	90 minutos	Preços em camadas
Estratégia bancária de negócios	120 minutos	Elogiosamente para clientes de negócios

International Bancshares Corporation (IBOC) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, a International Bancshares Corporation opera 283 filiais em Texas e Oklahoma.

Estado	Número de ramificações
Texas	268
Oklahoma	15

Plataforma bancária online

A plataforma bancária on -line do IBOC serve aproximadamente 215.000 usuários de banco digital ativo.

• Plataforma digital lançada em 2012
• Suporta acesso à conta 24/7
• Oferece pagamento de contas, transferências de fundos e visualização de extratos

Aplicativo bancário móvel

O aplicativo Banking Mobile foi baixado 127.500 vezes a partir do quarto trimestre 2023.

Plataforma	Baixar estatísticas
iOS	72,300
Android	55,200

Rede ATM

A International Bancshares Corporation mantém 392 locais de atm.

• Transações gratuitas de caixas eletrônicos para titulares de contas
• Rede abrange o Texas e Oklahoma
• Serviços de retirada em dinheiro 24/7

Centros de atendimento ao cliente

O IBOC opera dois centros de atendimento ao cliente principal com 175 representantes totais.

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

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

Pequenas e médias empresas no Texas e Oklahoma

A partir do quarto trimestre de 2023, a International Bancshares Corporation atende a aproximadamente 5.200 empresas pequenas e médias em todo o Texas e Oklahoma.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Fabricação	872	US $ 1,3 milhão
Serviços de varejo	1,243	$650,000
Serviços profissionais	1,685	$475,000

Clientes bancários de varejo individuais

O IBOC atende a 287.000 clientes bancários de varejo individuais em toda a sua rede.

• Contas de corrente pessoal: 142.000 clientes
• Contas de poupança pessoal: 98.000 clientes
• Contas de investimento pessoal: 47.000 clientes

Clientes corporativos comerciais

O Banco mantém 2.350 relacionamentos comerciais de clientes corporativos com uma carteira de empréstimos agregados de US $ 3,8 bilhões em dezembro de 2023.

Categoria corporativa	Número de clientes	Portfólio total de empréstimos
Grandes corporações	187	US $ 1,9 bilhão
Empresas de tamanho médio	843	US $ 1,3 bilhão
Pequenas empresas	1,320	US $ 600 milhões

Governo local e organizações municipais

O IBOC atende 126 organizações municipais e do governo local com relações bancárias municipais totais, avaliadas em US $ 540 milhões.

Clientes bancários comunitários agrícolas e rurais

O banco suporta 1.750 clientes comunitários agrícolas e rurais com um portfólio especializado em empréstimos agrícolas de US $ 625 milhões.

Setor agrícola	Número de clientes	Portfólio de empréstimos
Produção agrícola	612	US $ 275 milhões
Gado	438	US $ 210 milhões
Agronegócio rural	700	US $ 140 milhões

International Bancshares Corporation (IBOC) - Modelo de negócios: estrutura de custos

Despesas de manutenção de ramificação operacional

A partir de 2023 Relatórios Financeiros, a International Bancshares Corporation manteve 283 centros bancários em todo o Texas e Oklahoma. Os custos anuais de manutenção da filial foram de aproximadamente US $ 42,3 milhões.

Categoria de despesa	Custo anual
Aluguel/arrendamento da instalação	US $ 18,7 milhões
Utilitários	US $ 5,6 milhões
Manutenção e reparos	US $ 7,2 milhões
Sistemas de segurança	US $ 4,8 milhões

Investimento de infraestrutura de tecnologia

Em 2023, o IBOC alocou US $ 37,5 milhões para o desenvolvimento de infraestrutura tecnológica.

• Atualização de sistemas bancários do núcleo: US $ 15,2 milhões
• Aprimoramentos de segurança cibernética: US $ 8,9 milhões
• Plataforma bancária digital: US $ 6,4 milhões
• Manutenção do data center: US $ 7 milhões

Salários e benefícios dos funcionários

As despesas totais de remuneração de 2023 atingiram US $ 214,6 milhões para 2.743 funcionários.

Componente de compensação	Custo anual
Salários da base	US $ 168,3 milhões
Bônus de desempenho	US $ 22,7 milhões
Benefícios de saúde	US $ 14,6 milhões
Contribuições de aposentadoria	US $ 9 milhões

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 22,1 milhões.

• Taxas legais e de consultoria: US $ 9,3 milhões
• Auditoria e relatórios: US $ 6,8 milhões
• Treinamento de conformidade: US $ 3,5 milhões
• Tecnologia regulatória: US $ 2,5 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 16,7 milhões.

Canal de marketing	Gastos
Publicidade digital	US $ 6,2 milhões
Mídia tradicional	US $ 4,5 milhões
Patrocínio da comunidade	US $ 3,2 milhões
Programas de aquisição de clientes	US $ 2,8 milhões

International Bancshares Corporation (IBOC) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, informou a International Bancshares Corporation US $ 493,6 milhões na receita de juros líquidos. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Valor total ($)
Empréstimos comerciais	US $ 3,67 bilhões
Empréstimos imobiliários	US $ 5,42 bilhões
Empréstimos ao consumidor	US $ 1,89 bilhão

Taxas de serviço bancário

Receita de taxa de serviço para 2023 totalizou US $ 127,3 milhões, com os seguintes segmentos -chave:

• Taxas de manutenção de conta: US $ 42,6 milhões
• Taxas de cheque especial: US $ 23,7 milhões
• Taxas de transação ATM: US $ 18,4 milhões
• Outras taxas de serviço bancário: US $ 42,6 milhões

Serviços de investimento e gerenciamento de patrimônio

A divisão de gestão de patrimônio gerada US $ 64,2 milhões em receita para 2023, com ativos sob gerenciamento alcançando US $ 3,96 bilhões.

Tipo de serviço	Receita ($)
Serviços de consultoria	US $ 28,5 milhões
Comissões de corretagem	US $ 22,7 milhões
Taxas de gerenciamento de investimentos	US $ 13 milhões

Taxas de transação bancária digital

A receita bancária digital para 2023 foi US $ 37,8 milhões, com a seguinte quebra:

• Transações bancárias móveis: US $ 22,3 milhões
• Taxas de pagamento on -line de conta: US $ 9,5 milhões
• Processamento de pagamento digital: US $ 6 milhões

Serviços de Gerenciamento do Tesouro

Serviços de gerenciamento de tesouro gerados US $ 52,4 milhões em receita para 2023:

Categoria de serviço	Receita ($)
Serviços de gerenciamento de caixa	US $ 24,6 milhões
Serviços comerciais	US $ 18,2 milhões
Serviços de Tesouro Internacional	US $ 9,6 milhões

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.