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International Bancshares IBOC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

HOM
Home BancSharesHOMB
$236.44M+9.0%
JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
Cullen/Frost Bankers logo
Cullen/Frost BankersCFR
$431.78M+7.1%
BOK Financial logo
BOK FinancialBOKF
$351.83M+7.2%
Prosperity Bancshares logo
Prosperity BancsharesPB
$330.55M+23.5%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%

Other financials

Income statement

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Revenue$214.8M+3.2%
Net income$95.8M-4.3%
EPS (diluted)$1.54-4.3%

Balance sheet

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Cash & equivalents$451.2M-38.4%
Total equity$3.4B+11.7%
Total assets$17.0B+3.4%

Cash flow

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Operating cash flow$94.2M-1.3%
CapEx$5.7M+46.7%
Free cash flow$88.6M-3.4%

Valuation

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Market cap$4.67B+8.4%
P/E11.3×+0.8×
P/S5.4×+0.2×

Profitability

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Net margin48.1%-1.7pp
FCF margin52.7%-1.8pp

Returns & leverage

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Return on equity12.9%-1.8pp
Debt / equity

Where this comes from

Reported directly by International Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: International Bancshares’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-091933
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense49,31053,47098,282106,890
Net interest income171,105167,497336,733328,716
Credit loss expense11,1054,39814,1297,727
Net interest income after provision for credit losses160,000163,099322,604320,989
Non-interest income:
Service charges on deposit accounts19,16817,98837,92835,655
Other service charges, commissions and fees
Banking14,65614,93928,99229,004

Item 1. Financial Statements

FAQ

What is International Bancshares's net interest income (after provisions)?
International Bancshares (IBOC) reported net interest income (after provisions) of $160M in Q2 2026.
How has International Bancshares's net interest income (after provisions) changed year-over-year?
International Bancshares's net interest income (after provisions) decreased by 1.9% year-over-year, from $163.1M to $160M.
What is the long-term trend for International Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), International Bancshares's net interest income (after provisions) has grown at a 16.0% compound annual growth rate (CAGR), from $363.32M to $657.33M.
What does net interest income (after provisions) mean?
Represents net interest income adjusted for the provision for loan and lease losses, which accounts for expected credit deterioration. This metric provides a more accurate view of the bank's net revenue after accounting for the inherent risk of its lending activities.

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