# INTERNATIONAL BANCSHARES CORP

Summary updated: 2026-10-02T13:31:41.106688Z
Canonical: https://finbar.com/research/companies/international-bancshares-corp

## Overview

International Bancshares Corporation is a Texas-based bank holding company whose core business is commercial banking through five wholly owned bank subsidiaries. Its services include deposit-taking and lending for commercial, consumer, and international customers; it also has nonbank interests in insurance, investment banking, merchant banking, and real estate. [1](https://app.finbar.com/go?id=P149909692)[2](https://app.finbar.com/go?id=P149909466)

Headquartered in Laredo, Texas, the company operates across North, South, Central, and Southeast Texas and Oklahoma, with 165 facilities and 245 ATMs as of June 30, 2026. [1](https://app.finbar.com/go?id=P149909692) Its total assets were $17.02 billion on that date, and it had approximately 2,126 full-time and 193 part-time employees at year-end 2025. [3](https://app.finbar.com/go?id=T17139392)[4](https://app.finbar.com/go?id=P22174119) IBC Bank, its flagship bank, was founded in Laredo in 1966; the company describes its mission as “Growth through superior customer service.” [5](https://www.ibc.com/about-us)
[1](https://app.finbar.com/go?id=P149909692)[2](https://app.finbar.com/go?id=P149909466)[3](https://app.finbar.com/go?id=T17139392)[4](https://app.finbar.com/go?id=P22174119)[5](https://www.ibc.com/about-us)

## Products & services

International Bancshares Corp.’s banking products include checking and savings deposits, commercial and industrial loans, real-estate loans, personal and installment loans, automobile loans, home-improvement loans and term loans. Its international and trade services include import, domestic, export and standby letters of credit, documentary collections, and foreign-exchange services, including currency exchange. [6](https://app.finbar.com/go?id=P107618510)[7](https://www.ibc.com/international/other-services/letters-of-credit)[8](https://www.ibc.com/international/currency-exchange)

Other offerings include credit cards, safe-deposit boxes, collections and escrow services. Digital banking capabilities include online and mobile account access, transfers, bill payment, e-statements and mobile check deposit. Business treasury and payment services include IBC Link tools for wires, Positive Pay, lockbox, balance reporting, payments and collections; Deposit Express remote check deposit; and merchant services for countertop, virtual-terminal, e-commerce, mobile and point-of-sale transactions. [6](https://app.finbar.com/go?id=P107618510)[9](https://app.finbar.com/go?id=P86997720)[10](https://www.ibc.com/online-banking/online-banking-services)[11](https://www.ibc.com/business/treasury-management/online-business-banking)[12](https://www.ibc.com/business/treasury-management/ibc-deposit-express-remote-deposit)[13](https://www.ibc.com/business/other-services) The reviewed disclosures do not provide product-level percentages of company performance. [6](https://app.finbar.com/go?id=P107618510)[9](https://app.finbar.com/go?id=P86997720)
[6](https://app.finbar.com/go?id=P107618510)[9](https://app.finbar.com/go?id=P86997720)[7](https://www.ibc.com/international/other-services/letters-of-credit)[8](https://www.ibc.com/international/currency-exchange)[10](https://www.ibc.com/online-banking/online-banking-services)[11](https://www.ibc.com/business/treasury-management/online-business-banking)[12](https://www.ibc.com/business/treasury-management/ibc-deposit-express-remote-deposit)[13](https://www.ibc.com/business/other-services)

## Geographic presence

As of the second quarter of 2026, International Bancshares Corporation was headquartered in Laredo, Texas, and reported 165 facilities and 245 ATMs serving customers across North, South, Central, and Southeast Texas and Oklahoma. [1](https://app.finbar.com/go?id=P149909692) Its Texas primary market extends east to the Galveston area, northwest to Dallas, southwest to Del Rio, and southeast to Brownsville; Oklahoma is also part of its primary market. [14](https://app.finbar.com/go?id=P50051471)

The company has significant cross-border activity. In its 2025 annual report, it reported that Mexico-domiciled deposits made up approximately 32% of subsidiary-bank deposits, compared with 31% in 2024 and 29% in 2023, and described an emphasis on Northern Mexico. [15](https://app.finbar.com/go?id=P70458009) Its 2026 second-quarter filing also notes substantial business with Mexico-domiciled customers and activity connected to U.S.–Mexico border trade. [16](https://app.finbar.com/go?id=P149909693)

The company reported one banking segment in its 2026 second-quarter filing. [17](https://app.finbar.com/go?id=P149909467) The cited filings do not provide geographic revenue, asset, or employee distributions. Official company pages provide further location information and a branch and ATM locator. [5](https://www.ibc.com/about-us) [18](https://www.ibc.com/locations)
[1](https://app.finbar.com/go?id=P149909692)[14](https://app.finbar.com/go?id=P50051471)[15](https://app.finbar.com/go?id=P70458009)[16](https://app.finbar.com/go?id=P149909693)[17](https://app.finbar.com/go?id=P149909467)[5](https://www.ibc.com/about-us)[18](https://www.ibc.com/locations)

## Business segments

International Bancshares Corp. reports one operating and reportable segment: banking. Its commercial, consumer, and international banking activities are assessed together using consolidated results; the company does not report separate segments by customer type, subsidiary bank, or geography. [17](https://app.finbar.com/go?id=P149909467)

The banking business serves customers across North, South, Central, and Southeast Texas and Oklahoma, including commercial activity related to U.S.–Mexico border trade and customers domiciled in Mexico. [1](https://app.finbar.com/go?id=P149909692)[16](https://app.finbar.com/go?id=P149909693) The 2026 second-quarter filing, covering the six months ended June 30, 2026, is the newest available filing identified; the latest full-year filing is for 2025. Banking therefore represents all reported segment activity, but the company does not disclose segment-level revenue, income, or asset percentages that would support a more detailed contribution breakdown. [17](https://app.finbar.com/go?id=P149909467)
[17](https://app.finbar.com/go?id=P149909467)[1](https://app.finbar.com/go?id=P149909692)[16](https://app.finbar.com/go?id=P149909693)

## Company history

International Bancshares Corporation traces its origins to Bank of Commerce, founded in Laredo, Texas, in 1966 by A.R. Sánchez Sr. and other local entrepreneurs [5](https://www.ibc.com/about-us)[19](https://assets.milestoneinternet.com/ibc-bank/pdf/history-50-years-of-ibc.pdf). The company expanded across South Texas through acquisitions from 1979 to 1991, then entered Austin and the Eagle Pass area in 2000 [19](https://assets.milestoneinternet.com/ibc-bank/pdf/history-50-years-of-ibc.pdf).

IBC proposed acquiring National Bancshares Corporation of Texas and its subsidiary NBC Bank in 2001; the Federal Reserve approved the proposal that October [20](https://www.federalreserve.gov/boarddocs/press/BHC/2001/20011026/attachment.pdf). Dennis E. Nixon joined the company in 1975, became president in 1979, and chairman in 1992 [21](https://www.ibc.com/about-us/our-team)[22](https://app.finbar.com/go?id=T2261232). In 2017, IBC-Oklahoma was formed through an internal reorganization [23](https://www.sec.gov/Archives/edgar/data/315709/000155837018001274/iboc-20171231x10k.htm).
[22](https://app.finbar.com/go?id=T2261232)[5](https://www.ibc.com/about-us)[19](https://assets.milestoneinternet.com/ibc-bank/pdf/history-50-years-of-ibc.pdf)[20](https://www.federalreserve.gov/boarddocs/press/BHC/2001/20011026/attachment.pdf)[21](https://www.ibc.com/about-us/our-team)[23](https://www.sec.gov/Archives/edgar/data/315709/000155837018001274/iboc-20171231x10k.htm)

## Sources

1. [INTERNATIONAL BANCSHARES CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149909692)
2. [INTERNATIONAL BANCSHARES CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149909466)
3. [INTERNATIONAL BANCSHARES CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17139392)
4. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P22174119)
5. [www.ibc.com](https://www.ibc.com/about-us)
6. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P107618510)
7. [www.ibc.com](https://www.ibc.com/international/other-services/letters-of-credit)
8. [www.ibc.com](https://www.ibc.com/international/currency-exchange)
9. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P86997720)
10. [www.ibc.com](https://www.ibc.com/online-banking/online-banking-services)
11. [www.ibc.com](https://www.ibc.com/business/treasury-management/online-business-banking)
12. [www.ibc.com](https://www.ibc.com/business/treasury-management/ibc-deposit-express-remote-deposit)
13. [www.ibc.com](https://www.ibc.com/business/other-services)
14. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P50051471)
15. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=P70458009)
16. [INTERNATIONAL BANCSHARES CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149909693)
17. [INTERNATIONAL BANCSHARES CORP — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P149909467)
18. [www.ibc.com](https://www.ibc.com/locations)
19. [assets.milestoneinternet.com](https://assets.milestoneinternet.com/ibc-bank/pdf/history-50-years-of-ibc.pdf)
20. [www.federalreserve.gov](https://www.federalreserve.gov/boarddocs/press/BHC/2001/20011026/attachment.pdf)
21. [www.ibc.com](https://www.ibc.com/about-us/our-team)
22. [INTERNATIONAL BANCSHARES CORP — Full financial report (2025 Y)](https://app.finbar.com/go?id=T2261232)
23. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/315709/000155837018001274/iboc-20171231x10k.htm)

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