Brownsville, TX · Cert 25679 · International Bancshares Corp.
State charter, non-member · FDIC · 4 affiliate banks · 41 branches (174 in holding)
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 15.5% share · #1 of 20 inst. · $2.5B of $16.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.47% | 2.47% | 2.18% | 2.13% | 2.36% | 2.04% | 2.07% | 1.40% | -73 bps | |
| Return on Equity | 25.84% | 24.01% | 20.46% | 18.88% | 19.94% | 16.61% | 16.50% | 11.07% | -781 bps | |
| Net Interest Margin | 3.57% | 3.10% | 3.22% | 3.33% | 3.36% | 3.19% | 3.16% | 3.12% | -21 bps | |
| Efficiency Ratio | 33.33% | 34.30% | 35.33% | 35.38% | 34.58% | 35.75% | 36.55% | 40.45% | +507 bps | |
| Non-Interest Burden | 0.37% | 0.27% | 0.42% | 0.44% | 0.39% | 0.39% | 0.44% | 0.60% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 4.94% | 7.70% | 7.92% | 4.56% | 6.71% | 6.02% | 5.40% | -252 bps | |
| Loan Growth (YoY) | 4.57% | 9.65% | 14.15% | 15.04% | 14.22% | 7.44% | 1.86% | 2.73% | -1,231 bps | |
| Deposit Growth (YoY) | 2.86% | 3.09% | 4.86% | 4.94% | 3.41% | 4.34% | 4.24% | 4.14% | -80 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.05% | 6.29% | 6.03% | 6.18% | 6.15% | 6.16% | 6.10% | 9.17% | +300 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.14% | 0.10% | 0.11% | 0.12% | 0.14% | 0.10% | 0.13% | +1 bps | |
| Allowance / Loans | 1.74% | 1.64% | 1.58% | 1.73% | 1.73% | 1.93% | 1.96% | 2.50% | +77 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.69% | 13.08% | 13.52% | 13.71% | 13.78% | 14.17% | 14.53% | 14.46% | +76 bps | |
| Total Risk-Based Capital | 27.11% | 27.22% | 27.06% | 28.16% | 28.07% | 30.03% | 30.04% | 29.98% | +182 bps | |
| Equity / Assets | 10.20% | 10.34% | 10.94% | 11.59% | 12.04% | 12.57% | 12.55% | 12.70% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.08% | 39.24% | 41.10% | 40.75% | 40.96% | 40.41% | 40.16% | 40.20% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.60% | 156.47% | 152.03% | n/a | n/a | |