Laredo, TX · Cert 23772 · International Bancshares Corp.
State charter, non-member · FDIC · 4 affiliate banks · 3 branches (174 in holding)
Q2 2026
Market Position · Laredo, TX · 2026 SOD (annual) · 7.5% share · #5 of 10 inst. · $0.7B of $8.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.13% | 2.12% | 1.91% | 1.86% | 1.96% | 1.93% | 1.75% | 1.81% | -5 bps | |
| Return on Equity | 19.01% | 19.08% | 17.12% | 16.12% | 17.67% | 17.72% | 16.94% | 17.50% | +138 bps | |
| Net Interest Margin | 2.75% | 2.69% | 2.79% | 2.75% | 2.79% | 2.81% | 2.69% | 2.73% | -2 bps | |
| Efficiency Ratio | 32.67% | 32.06% | 32.66% | 33.96% | 33.64% | 33.57% | 34.68% | 34.27% | +31 bps | |
| Non-Interest Burden | 0.24% | 0.23% | 0.32% | 0.38% | 0.38% | 0.37% | 0.36% | 0.37% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.54% | 15.84% | 10.95% | 8.60% | 0.39% | -1.10% | -2.11% | -0.07% | -868 bps | |
| Loan Growth (YoY) | -8.84% | -10.92% | -4.61% | -2.30% | 1.65% | 3.63% | 11.19% | 23.22% | +2,552 bps | |
| Deposit Growth (YoY) | 12.07% | 16.69% | 10.37% | 7.37% | 4.69% | -0.48% | -0.73% | -0.06% | -742 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.12% | 0.30% | 0.18% | 0.28% | 0.10% | 0.08% | 0.03% | -15 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.10% | 0.10% | 0.05% | 0.08% | 0.29% | 0.14% | +4 bps | |
| Allowance / Loans | 1.95% | 1.84% | 1.85% | 1.88% | 1.78% | 1.74% | 1.63% | 1.54% | -35 bps | |
| Allowance Coverage of NPLs | 3.4x | 15.8x | 6.2x | 10.3x | 6.4x | 16.8x | 20.3x | 53.5x | +43.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.32% | 13.53% | 13.87% | 14.10% | 10.72% | 11.54% | 12.04% | 12.28% | -182 bps | |
| Total Risk-Based Capital | 38.23% | 38.56% | 39.67% | 39.81% | 30.99% | 32.67% | 31.95% | 30.73% | -907 bps | |
| Equity / Assets | 11.16% | 10.74% | 11.62% | 12.31% | 9.63% | 10.25% | 10.42% | 10.35% | -196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 24.70% | 23.21% | 23.68% | 23.82% | 23.98% | 24.17% | 26.52% | 29.36% | +555 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.51% | 74.56% | 93.12% | n/a | n/a | |