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International Bancshares IBOC Allowance for Credit Losses on Financing Receivables - Individually Evaluated

Allowance for Credit Losses on Financing Receivables - Individually Evaluated at other companies

Valley National Bank logo
Valley National BankVLY
$78.47M+27.7%
JPMorgan Chase logo
JPMorgan ChaseJPM
——
BOK Financial logo
BOK FinancialBOKF
——

Other financials

Income statement

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Revenue$208.5M+5.2%
Net income$102.2M+5.5%
EPS (diluted)$1.64+5.1%

Balance sheet

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Cash & equivalents$585.9M-0.6%
Total equity$3.3B+13.6%
Total assets$16.8B+3.4%

Cash flow

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Operating cash flow$120.7M-14.0%
CapEx$4.7M-36.5%
Free cash flow$116.0M-12.8%

Valuation

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Market cap$4.57B+6.6%

Profitability

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Net margin49%-0.5pp
FCF margin53.5%-2.7pp

Returns & leverage

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Return on equity13.5%-1.7pp
Debt / equity0×—

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.

The official record: International Bancshares’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is International Bancshares's allowance for credit losses on financing receivables - individually evaluated?
International Bancshares (IBOC) reported allowance for credit losses on financing receivables - individually evaluated of $16.65M in Q1 2026.
How has International Bancshares's allowance for credit losses on financing receivables - individually evaluated changed year-over-year?
International Bancshares's allowance for credit losses on financing receivables - individually evaluated decreased by 10.6% year-over-year, from $18.63M to $16.65M.
What is the long-term trend for International Bancshares's allowance for credit losses on financing receivables - individually evaluated?
Over 4 years (2020 to 2025), International Bancshares's allowance for credit losses on financing receivables - individually evaluated has grown at a 171.2% compound annual growth rate (CAGR), from $279K to $15.1M.
What does allowance for credit losses on financing receivables - individually evaluated mean?
This represents the specific valuation allowance set aside for financing receivables that have been individually assessed for credit impairment. It reflects management's estimate of potential losses on high-risk or significant loan exposures that do not share common risk characteristics with the broader portfolio. Monitoring this balance helps investors gauge the bank's proactive risk management regarding specific large-scale credit exposures.